vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Today XXXX XXXX This is follow up complaint with the name dispute I submitted XXXX XXXX. Equifax emails me my dispute is closed XX/XX/year>. Equifax did not properly verify anything. I provided a copy of my ID, front and back, showing my correct legal name. Despite this, they continue to verify incorrect information without proper investigation. I am requesting CFPB to ensure Equifax properly removes the inaccurate middle name from my credit file, as required by law. I have disputed this incorrect name twice. XXXX XXXX and XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I disputed this debt with all three credit bureaus and told them to cease and desist communication with me, they repeated to call me about a debt that is past XXXX debt statue limitation and failed to provide proper verification of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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 account was added to my account XX/XX/year>. This account is inaccurate and not mine. Please remove it per FCRA Section 611 ( 1681i ), which requires deletion of unverifiable or incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: GA

Complaint narrative:
XXXX account was added to my account XX/XX/year>. This account is inaccurate and not mine. Please remove it per FCRA Section 611 ( 1681i ), which requires deletion of unverifiable or incorrect information.

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 2025-04-08 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: VA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-08 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:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-08 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: MI

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$48000.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX  XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$43000.00} INQUIRIES : XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX report a fraudulent account on my Experian credit report, despite repeated notifications and the submission of extensive identity theft documentation. I did not open or authorize this account. 

I have submitted the following to XXXX XXXX XXXX An FTC Identity Theft Report ( originally filed on XX/XX/XXXX, and updated on XX/XX/XXXX ) XXXX police reports, XXXX filed in XXXX and another in XXXX, documenting my identity theft Proof that my personal information was compromised in the XXXX XXXX XXXX XXXX Despite this, XXXX has not conducted a proper investigation. Their response to my previous CFPB complaint included unrelated documents ( which I have attached, so XXXX can continue to stop wasting your time and mine with their stalling and fake investigation ) and did not address or acknowledge the evidence I provided. They continue to hold me responsible for an account I did not create. 

The fraudulent account is still being reported only by Experian, and XXXX continued reporting is preventing resolution. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have fraudulent accounts blocked when proper documentation is provided which I have done. 

I am requesting : That XXXX XXXX cease all reporting of this fraudulent account That the account be removed from all credit reporting agencies That I receive a written response directly addressing the evidence of identity theft I submitted I am continuing to dispute this account with Experian and will pursue all available remedies until the issue is resolved.

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 2025-04-08 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: NE

Complaint narrative:
XXXXXXXX XXXX pulled my credit report on XX/XX/XXXX without my permission. 

XXXX XXXX  pulled my credit report without my permission. 

I do not have credit cards or loans through either of these banks. I am not sure who is trying to use my information. 

Also, i have one derogatory remark on my credit report from XX/XX/XXXX, that should not be there that i have tried to get taken care of that XXXX XXXX will not help me with or remove that has been taken care of.

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 2025-04-08 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: SC

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 non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC.
State: GA

Complaint narrative:
Here 's a sample debt validation letter : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX Halstead Financial Services Re : Debt Validation Request for Account Dear Halstead Financial Services, I am writing to request validation of the debt you claim I owe on account number. I received a communication from your company stating that I owe .However, I do not recall the specifics of this debt, and I need verification to ensure the accuracy of this claim. 

To facilitate this process, please provide the following documentation : XXXX. A copy of the original contract or agreement between the original creditor and myself.

2. A detailed breakdown of the debt, including the principal amount, interest, and fees.

3. Proof of your company 's authority to collect this debt.

4. Verification of my name, address, and account number associated with this debt.

Please provide this information within 30 days of receiving this letter. If I do not receive a response or the requested documentation, I will assume that the debt is not valid, and I will not make any further payments. 

Sincerely, XXXX XXXX This letter serves as a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ). Keep a copy for your records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX XXXX XXXX for Unethical Collection Practices To whom it may concern, I am filing this complaint against XXXX XXXX XXXX for their continued and unethical reporting practices, which have directly impacted my financial health and credit profile. 

XXXX has reported a collection account on my credit report without properly validating the debt. Despite my attempts to dispute or gain clarification ( even through direct tracked mail that i was alerted they received ), they have failed to provide any proof of the original debt, it's legitimacy, or a breakdown of the balance. In addition, the information they continue to report appears inaccurate and unverifiable. 

This account has remained on my credit report, causing unnecessary damage to my credit score and affecting my ability to secure basic financial opportunities. Their lack of transparency, refusal to validate the debt properly, and failure to remove inaccurate information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

If this account is not immediately removed or appropriately validated, I will be escalating the matter further, including potential legal action. I am demanding a full investigation into this account and XXXX reporting practices. 

I am requesting that the CFPB hold them accountable and that this collection be either fully validated with documented proof or removed entirely from my credit file. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: PA

Complaint narrative:
This company is still being noncompliant because that are still reporting an account furnished by XXXX XXXX XXXX XXXX in a manner that is inaccurate, incomplete, and materially misleading, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). This misreporting has caused me significant financial and reputational harm, and if it is not immediately corrected or deleted, I will initiate legal action under FCRA 616 and 617. 

Here are the facts : In XX/XX/2023, I was approved by the original creditor ( XXXX XXXX  ) for a loan modification agreement that included : XXXX months of forbearance ( XXXXXXXX XXXX  ) XXXX months of reduced payments at $ XXXX ( XXXX XXXX  ) An eight-month interest-only period thereafter An extension of the loan maturity by XXXX year XXXX XXXX  who later took ownership of the account, completely ignored this binding modification. Instead, they calculated the charge-off as if I had remained under the original {$470.00} monthly payment schedule. They reported a charge-off on XX/XX/2023 with a balance of {$17000.00}, including {$16000.00} in principal and {$1400.00} in interest. 

Had the agreed-upon modification been properly honored and applied, the charge-off balance would have been no more than {$15000.00} {$15000.00}. That means the reported amount is inflated by approximately {$2100.00} a clear and material misrepresentation of the debt. This is a violation of FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ).

Additionally : This company continues to inaccurately report this loan as an open account, when it is a closed-end installment loan governed by a signed promissory note.

You have failed to note the account as disputed, which is required under FCRA 623 ( a ) ( 3 ).

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 2025-04-08 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-08 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: PA

Complaint narrative:
I am writing to express my deep concern regarding several unauthorized accounts associated with my personal information. I have discovered that accounts have been opened in my name without my knowledge, consent, or authorization. This fraudulent activity is not only a violation of my privacy, but it has also caused significant distress.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/year>, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/year>, but I still have not received a response.To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim . However, the inaccurate addresses remain on my credit report, which is unacceptable.

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law.

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report.

An updated credit report reflecting the corrected information.

Written confirmation of the actions taken to resolve this dispute.

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2025-04-08 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 did not consent to authorize nor benefit from the following account ( s ). Block and Remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove.

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 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I placed an online order, the funds were debited from my account to the vendor, and now the vendor has my funds and has canceled the order on their end, and now my bank is saying there is nothing they can do. I've called my bank, I've called the vendor, both are saying sorry but there's nothing they can do. 

Vendor has my funds and will not release them. Wells Fargo has refused to assist, I even got a certified letter to that end. 

XXXX order # XXXX : XXXX XXXX Wells Fargo claim # : XXXX You can't just take money from someone and not render services. This is unacceptable.

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