vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 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:
XXXX, XXXX XXXX and all of its sister companies are illegally reporting inaccurate items to my credit report. The Account is being reported as closed and Charged off, written off as bad debt. According to the IRS Charged off debt is not to be reported on a consumers credit profile as debt ; it is seen as ORDINARY INCOME, see IRS publication XXXX, XXXX and XXXX it does not MATTER WHAT REASON THE DEBT WAS CHARGED OFF, IF YOU WRITTEN OFF ANY DEBT FROM YOUR XXXX  BUSINESS INCOME AND THE AMOUNT IS OVER ( {$600.00} ) THEN THE DEBT IS FULLY DISCHARGED AND CANCELLED Also The Contract that the company has on file Does not belong to me, As the name on the Contract is not my name. WHY ARE YOU XXXX AND XXXX XXXX REPORTING INACCURATE, FRAUDULENT INFORAMTION TO MY CREDIT REPORT. YOU DO NOT HAVE A LAWFULLY BINDING CONTRACT WITH ME! DELETE THIS ACCOUNT FROM CONSUMER MY CREDIT REPORT IMMEDIATELY. THIS IS DEFAMATION OF CHARACTER. I AM NOW TELLING YOU TO CEASE ALL MEANS OF TRYNG TO COLLECT AN UNLAWFUL DEBT FROM ME. ACCORDING TO 15 U.S. Code 1692c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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
XXXX, XXXX XXXX and all of its sister companies are illegally reporting inaccurate items to my credit report. The Account is being reported as closed and Charged off, written off as bad debt. According to the IRS Charged off debt is not to be reported on a consumers credit profile as debt ; it is seen as ORDINARY INCOME, see IRS publication XXXX, XXXX and XXXX it does not MATTER WHAT REASON THE DEBT WAS CHARGED OFF, IF YOU WRITTEN OFF ANY DEBT FROM YOUR XXXX  BUSINESS INCOME AND THE AMOUNT IS OVER ( {$600.00} ) THEN THE DEBT IS FULLY DISCHARGED AND CANCELLED Also The Contract that the company has on file Does not belong to me, As the name on the Contract is not my name. WHY ARE YOU XXXX AND XXXX XXXX REPORTING INACCURATE, FRAUDULENT INFORAMTION TO MY CREDIT REPORT. YOU DO NOT HAVE A LAWFULLY BINDING CONTRACT WITH ME! DELETE THIS ACCOUNT FROM CONSUMER MY CREDIT REPORT IMMEDIATELY. THIS IS DEFAMATION OF CHARACTER. I AM NOW TELLING YOU TO CEASE ALL MEANS OF TRYNG TO COLLECT AN UNLAWFUL DEBT FROM ME. ACCORDING TO 15 U.S. Code 1692c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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: PA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-11 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: CA

Complaint narrative:
I disputed the XXXX  XXXX account ( Account # XXXX ) with Equifax on XX/XX/XXXX, yet Equifax verified the account without providing evidence of verification, violating FCRA 15 U.S.C. 1681i ( a ) ( 7 ). 

Equifax is also reporting inconsistent and inaccurate information, including : Date of Last Activity : XX/XX/XXXX ( not matching other bureaus ). 
Last Payment Date : XX/XX/XXXX ( conflicting with XXXX and XXXX ). 
Credit Limit : {$0.00} ( XXXX and XXXX report {$1300.00} ). 
Creditor Remarks : Account previously in dispute- now resolved by data furnisher. Charged off account. 
Per 15 U.S.C. 1681e ( b ), Equifax must ensure maximum possible accuracy, and under 15 U.S.C. 1681i ( 5 ), unverifiable accounts must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I contacted this credit reporting agency back on XX/XX/year>, with the attached Notice. This notice was informing them that I have attempted to remove the attached items from my credit report after I had contacted the related companies to dispute these items and received NO response to my request to verify these debts. The credit reporting agency has provided no valid response and failed to honor the law and remove these items as required.

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 2025-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I am on my nephews savings account with Wells Fargo. He was scammed while selling his car on XXXX XXXX. He was not using his savings account but it stayed open with less than XXXX dollars. He did not let any of us know that his happened but the buyer of his car sent him {$2000.00} more than the sales price to wire to someone who was supposed XXXX XXXX the car to the buyer. If anyone was informed we would have told him this was a scam. He originally went to his first bank XXXX XXXX and they would not give him {$2000.00} in cash so he went to Wells Fargo where he explained the situation and they gave him {$2000.00} which he wired to the Scammer. The check of course bounced. Wells Fargo then contacted me and let me know what happened and I immediately had my nephew call the police and open a police report I opened a fraud notice with Wells Fargo. We provided everything to Wells Fargo. I explained to them that my nephew was moving and to please let me know what was going on. Wells Fargo did not tell me they denied the fraud and said he was liable and the {$2000.00} was charged off. Because of this Wells Fargo closed my only credit card with them I had for XXXX  years as I have been a customer for XXXX  years. I opened a dispute with Wells Fargo and they would not acknowledge that I was not informed of the charge off and stood by the massive hit to my credit for closing my credit card.

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 2025-03-11 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: TX

Complaint narrative:
XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$330.00} XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$1400.00} XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$290.00} XXXX XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX I am filing this complaint regarding an inaccurate item ( s ) and inquiries on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agencies, it remains unresolved. I request immediate investigation and removal of these items, as it is incorrect and does not reflect my true credit history.

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-03-11 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: MI

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692
k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: MI

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692
k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 2025-03-11 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: MI

Complaint narrative:
I received a copy of my credit report and found several items to be inaccurate or fraudulent. 
Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) I have attached an FTC report. Please remove the those items from my report, 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 2025-03-11 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:
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 REPORTS 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 am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
ACCOUNTS : - XXXX. ACCOUNT # XXXX ON DATE XX/XX/XXXX. 
- XXXX. ACCOUNT # XXXX ON DATE XX/XX/XXXX. 
- XXXX ACCOUNT # XXXX ON DATE XX/XX/XXXX. 
- XXXX XXXX. ACCOUNT # XXXX ON DATE XX/XX/XXXX. 
- XXXX. ACCOUNT # XXXX ON DATE XX/XX/XXXX. 
- XXXX. ACOUNT # XXXX ON DATE XX/XX/XXXX. 
- XXXX XXXX XXXX. ACCOUNT XXXX ON DATE XX/XX/XXXX. 
- XXXX XXXX XXXX. ACCOUNT # XXXX ON DATE XX/XX/XXXX. 
- XXXX XXXX XXXX. ACCOUNT # XXXX ON DATE XX/XX/XXXX. 
- XXXX. ACCOUNT # XXXX-************** ON DATE XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Student loans were paid in full and have zero balance, and are over XXXX XXXX XXXX since paid off. These should be removed from my credit report entirely after this many years. I also took these loans out as a minor with my parent as the legal guardian who signed for them and was financially responsible. These student loans should have reported on my fathers credit, not mine as I was only XXXX when they were applied for and distributed in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I was sued by a third party which i told them wasnt my account. Where debt was acquired in XXXX XXXX and I live in XXXX Third party sued me and are in the process of garnish my funds. They have been harrassing me placing legal documents at my door and also placed a hold on my bank account where i can not access my money which has put me in a financial Crisis.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: WA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2025-03-11 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: FL

Complaint narrative:
Subject : Request to Block Fraudulent Information Due to Identity Theft Complaint Details : I am submitting this complaint against the credit reporting agencies and data furnishers for failing to remove fraudulent accounts from my credit report, despite multiple requests. I have been a victim of identity theft, which has resulted in unauthorized accounts, inquiries, and personal information discrepancies on my credit profile. Despite my formal requests for correction, these entities have failed to act in accordance with federal laws, including the Fair Credit Reporting Act ( FCRA ). 

Prior to last week, I contacted several representatives who informed me that I was unable to access my credit profile. This supports my claim of identity theft, as unauthorized accounts have been opened in my name. 

Violations & Failure to Act The credit reporting agencies and data furnishers have committed the following violations : Failure to block fraudulent information ( 15 U.S.C. 1681c-2 ) Failure to provide the method of verification ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Failure to safeguard my personal data ( 15 U.S.C. 1681b ( g ) ) Failure to ensure accuracy in reporting ( 15 U.S.C. 1681s-2 ) Disputed Items & Personal Information Corrections I formally request the immediate removal and correction of the following information : Name Correction : My full legal name should be displayed as XXXX XXXX only . 

Address Update : Remove all outdated addresses. The only valid address is XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

Phone Numbers : Remove all listed phone numbers. 

Social Security Number & Date of Birth : Ensure my Social Security number and date of birth are not displayed for privacy protection. 

Employer Information : Delete all employer-related data from my report. 

Fraudulent Accounts : Remove all unauthorized accounts and fraudulent inquiries associated with identity theft. 

Data Breach Impact & Supporting Evidence My personal data was compromised in multiple data breaches, including : XXXX XXXX XXXX data breach XXXX ( XXXX ) : XXXX XXXX Social Security numbers, DOBs, and addresses exposed. 

XXXX ( XXXX ) : XXXX XXXX customer records leaked. 

Experian ( XXXX ) : Millions of Social Security numbers and credit histories exposed. 

Despite submitting multiple fraud alerts and disputes, the credit bureaus failed to take appropriate action, leaving me vulnerable to further 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 non-monetary relief