vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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: MN

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year>XXXX  2 cash transfers were fraudulently taken from my credit card, I called Wells Fargo to report the fraud. They closed the account and sent me a new card, but did not remove the charges, even though they said they would. Now I am left paying interest on charges I did not create, as well as it hit my credit. The charges were {$730.00} and {$720.00} both made on XX/XX/year>

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 2025-04-23 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: OH

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 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 2025-04-23 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: DC

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-04-23 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: CA

Complaint narrative:
I previously filed a CFPB complaint, but I mistakenly filed it under the wrong name due to a typo. I need to correct this for accuracy, especially concerning the charge-off information with Equifax and Experian.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 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 2025-04-23 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: TX

Complaint narrative:
My credit report reflects two accountsXXXX  ( Account No. XXXXXXXX XXXX XXXX XXXX XXXX  ) and XXXX ( Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX ) that have been erroneously removed or reported inaccurately. In reality, both accounts have been consistently maintained in good standing, with all payments made on time. No fraudulent activity was ever alleged or investigated. The removal or misreporting appears to be the result of an administrative error by the creditor or credit bureau.

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 2025-04-23 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:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-04-23 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: WA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-04-23 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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.

Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened 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 2025-04-23 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: MA

Complaint narrative:
I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 non-monetary relief
Consumer complaint received 2025-04-23 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: NC

Complaint narrative:
I am submitting this formal complaint regarding the inaccurate reporting of late payments on my XXXX XXXX credit card account, which appears on my consumer credit reports. 

In accordance with 15 U.S. Code 1666b ( a ), a creditor is prohibited from treating a credit card payment as late unless they have adopted reasonable procedures to ensure that each periodic statement, including disclosures required under 15 U.S. Code 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date. 

I have not received any evidence from XXXX XXXX confirming that these statements and disclosures were sent within the legally mandated timeframe. Despite a formal request, no proof of timely delivery has been provided. This lack of documentation raises serious concerns about the accuracy and legality of the reported delinquency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am a Capital One Auto Finance customer currently undergoing treatment for stage XXXX XXXX XXXX and am hospitalized with no source of income. I sent a certified letter on XX/XX/year>, requesting financial hardship assistance on my auto loan. The letter was delivered and confirmed, but I have received no response from Capital One. Despite this, I received an email on XX/XX/year>, stating that a full payment had been made and postedyet I continue to receive notices about a missed payment. 

I called Capital One and was told by XXXX no options are available, even after disclosing my medical crisis and lack of income. I am seeking forgiveness, forbearance or payment deferment, waiver of late fees, clean title and protection from repossession or negative credit reporting. Capital One has not made any reasonable accommodation or acknowledged my documented hardship. 

I am requesting XXXX assistance to ensure this case is escalated and that Capital One responds in writing with options suitable to a medical hardship situation. 

Account # : [ XXXX ] Loan Type : Auto Loan Date of Certified Letter : XX/XX/year> Confirmed Delivery : Yes No Income or Employment : Due to hospitalization and treatment for stage XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: SC

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) RE : Complaint Against Equifax Concerning FCRA Violations and Inaccurate Credit Reporting From : XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX Subject : Urgent Complaint Against Equifax for Willful FCRA Violations, Request for Injunction and Immediate Data Correction XXXX : South Carolina Department of Consumer Affairs Dear Consumer Financial Protection Bureau, Despite the expiration of a reasonable time for resolution, Equifax continues to report inaccurate, misleading, and duplicated negative information across multiple tradelines ; obstructing my ability to begin necessary credit repair and recover from prior harm. 

Key Errors on My Equifax Credit Report Include : XXXX. Outdated and Inaccurate High Balances on Closed Accounts Despite creditors closing accounts in XXXX, Equifax is still reporting high balances ( e.g., {$35000.00} and {$20000.00} ) as current, which is factually incorrect and misrepresents my creditworthiness. 

XXXX. Duplicate Delinquencies Equifax has reported : Multiple XXXX late payments on the same tradeline across different months Multiple XXXX late payments on the same tradeline across different months " XXXX '' statuses posted for back-to-back months from the same creditor ; an action that is procedurally and legally impossible. 

I have found XXXX errors of this nature across XXXX tradelines based on XXXX own data. 

Applicable Legal Violations by Equifax : Equifaxs ongoing failure to correct this erroneous information is a violation of several key FCRA provisions : 15 U.S. Code 1681e ( b ) Requires Equifax to " follow reasonable procedures to assure maximum possible accuracy. '' Reporting duplicate derogatory information and false balances on closed accounts constitutes gross negligence.

15 U.S. Code 1681i ( a ) ( 5 ) ( A ) Failure to promptly delete or correct inaccurate or unverifiable information after reinvestigation.

15 U.S. Code 1681s-2 ( b ) Upon notification of a dispute from the consumer or a CRA, furnishers must correct inaccurate data. 

Despite Equifax 's response on XX/XX/XXXX, claiming it was still investigating, more than 25 days have passed. This is in clear violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute :XX/XX/XXXXBalance {$29.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$1300.00} Open Date XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX Balance {$710.00} Open Date XX/XX/XXXX InquiriesXX/XX/XXXX Date XX/XX/XXXX XX/XX/XXXX Date XX/XX/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 2025-04-23 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 am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TrueAccord Corp.
State: TX

Complaint narrative:
I am formally submitting my fourth complaint to the Consumer Financial Protection Bureau regarding inaccurate reporting practices by [ Creditor 's Name ] and XXXX. For the past three years, my credit report has shown a charged-off status as a recurring monthly entry. This is incorrect, as a charge-off is a one-time accounting event and should not be reported repeatedly on a monthly basis.

Despite multiple attempts on my part to rectify this matter directly with both and XXXX, my concerns have been ignored and the issue has not been corrected. I want to be clear : I am not
requesting the removal of the debt. I am simply asking for the accurate and lawful reporting of my account, which is my right under the Fair Credit Reporting Act ( FCRA ). 

In addition, I am filing a complaint against TrueAccord, collection company associated with this debt. I have contacted them three times and sent letters requesting account information and resolution. They have failed to respond or provide any meaningful communication, which is a direct violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting the CFPBs assistance in having all three parties XXXX, XXXX, and TrueAccordcorrect their violations and provide me with proper documentation and accurate reporting in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC.
State: ID

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX  account I never signed up nor did I ever get a card for this account I also had a XXXX XXXX XXXX  also that XXXX XXXXXXXX deemed as fraud and thus account as well is fraud I dont have info on this account and been trying to work with XXXX XXXXXXXX to get this account figured out and apparently they fixed the one account and didnt handle the other one midland credit management is the company XXXX XXXX sold the debt too and Im filing this complaint again to get the same information to them as I sent on the other account that didnt get taken care of its all fraud I will se send all proof and docs that support my identity has been stolen my phone was sim swapped and someone had access to signed up these accounts and use them without my knowledge. I did not sign a credit card app for this account ever and the attachments are all documentation Im requesting .. and I want to know who had posession of this card issued because I do not have a card for this account or any documentation either other then what midland credit management has and this account was used in the same way the other account was and not all statements are there and the amounts do not add up this account is fraud

Company response to consumer: Closed with non-monetary relief