vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 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: MD

Complaint narrative:
I am writing my complaint regarding Equifax reporting accounts on my consumer file.I 'm demanding the immediate removal of several unauthorized accounts appearing on my credit report. These accounts are the result of identity theft and are not associated with any transactions I have conducted. The accounts in question are : XXXX : {$21000.00} XXXX : {$10000.00} Secu : {$31000.00} Secu : {$16000.00} Secu : {$13000.00} Truist : {$7400.00} XXXX : {$40.00} XXXX XXXX : {$28000.00} XXXX XXXX XXXX : {$4000.00} In accordance with 15 U.S.C. 1681c2, upon receipt of : Proof of my identity A copy of an identity theft report filed with law enforcement Identification of the fraudulent information A statement asserting that the disputed information is not related to any transaction by me Equifax is obligated to block the reporting of the identified information within XXXX business days. 

I have previously submitted all required documentation to Equifax, including : A copy of my government-issued ID, SSN, Passport, Electric bill and lease.

Despite providing this information, I continue to receive requests for the same documents, which I perceive as unnecessary delays in resolving this matter. 

Additionally, I have received correspondence from Equifax addressed to an incorrect name, indicating potential inaccuracies in your records. This, coupled with the 2017 Equifax data breach that exposed the personal information of approximately XXXX XXXX individuals, raises serious concerns about the security and accuracy of my personal data within your systems.

Failure to comply with the statutory requirements of 15 U.S.C. 1681c2 may result in civil liability for willful or negligent noncompliance under the Fair Credit Reporting Act ( FCRA ).

I expect confirmation of the removal of these fraudulent accounts from my credit report within the timeframe specified by law. Please send written confirmation to the address provided above. I have provided the data breach letter from Equifax and another letter from Equifax that isn't my name. All information has to be accurate per FCRA rules.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: NY

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-03-19 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: FL

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. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024 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 explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
on XX/XX/XXXX around XXXXXXXX XXXX bridgecrest hired a towing company to commit grand larceny. grand theft. Not only did they steal the car, they also stole personal valuable possessions within the car that the children need for school today. 

The car was paid for by the full faith and credit of myself, as it says on the car contract

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: WI

Complaint narrative:
Im reaching out because Ive discovered that my identity has been used without my permission, and inquiries have been opened in my name fraudulently. I want to make it clear that I did not authorize these, and Im asking that these inquiries be removed from my credit report 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 2025-03-19 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 to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX  To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Complaint Details : On XX/XX/year>, I received a letter from Wells Fargo notifying me that they would be closing my account due to " unauthorized transfers '' without providing clear details or evidence of the transactions in question. The letter also stated that my account would be closed by XX/XX/year>, and mentioned that some transactions would be blocked, which would affect my ability to make payments or receive deposits. However, no further explanation or documentation was provided by Wells Fargo, leaving me confused and concerned about the reasons for these actions. 
I have contacted Wells Fargo multiple times, but I have not received adequate responses or clarification regarding the unauthorized transactions, the reason for my account closure, or how to resolve the issue. Furthermore, I am concerned about the impact this has on my ongoing financial obligations and transactions.

Name and Contact Information of Bank Representative : XXXXXXXX XXXX XXXX  Date : XX/XX/year> Time : approx XXXX Additional Documents : I have attached a copy of the letter from Wells Fargo XXXX as well as any relevant communications with the bank that might help clarify the situation. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in resolving the issues related to my account closure. I am seeking clarification on the bank 's actions and hope to reach a fair resolution. 

Thank you for your attention to this matter. If you require any further information, please do not hesitate to contact me at XXXX or via email at XXXX. 
Sincerely, XXXX XXXX XXXX Attachments : Copy of Wells Fargo 's letter regarding account closure Copies of any communication with Wells Fargo

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 2025-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
The 15 U.S.C. code 1692 ( c ) ( cc ) states the following123 : A consumer can cease communication with a debt collector in writing. 
A debt collector must assume a convenient time for communicating with a consumer is after XXXX XXXX  XXXX  and before XXXX XXXX XXXX XXXX XXXX at the consumers location. 
Without the prior consent of the consumer, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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:
Subject : FCRA Violations Inaccurate Late Payments & Illegal Charge-Off Reporting To Whom It May Concern, I am filing this complaint against TransUnion for multiple Fair Credit Reporting Act ( FCRA ) violations regarding inaccurate late payments and the illegal re-aging of charge-off accounts. 

Account # XXXX XXXX XXXX account # XXXX ( Inaccurate Late Payments ) TransUnion is reporting XXXX late ( XX/XX/XXXX ) and XXXX late ( XX/XX/XXXX ) payments, even though the account status is Paid, Closed ; was Paid as Agreed. 
This contradicts the payment history and account remarks, making this inaccurate reporting under 15 U.S.C. 1681e ( b ).

Additionally, I was never properly notified before these late payments were added, violating 15 U.S.C. 1681s-2 ( a ) ( 7 ). 

Account # XXXX XXXX XXXX account # XXXX ( Unverified Late Payments on Closed Account ) TransUnion is reporting late payments on this closed account, which violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ).

Additionally, I was never properly notified before these late payments were added, violating 15 U.S.C. 1681s-2 ( a ) ( 7 ).

I request immediate deletion of these errors. 

Account # XXXX XXXX XXXX account # XXXX ( Illegal Re-Aging of Charge-Off ) TransUnion is illegally reporting CO ( Charge-Off ) every month since XX/XX/XXXX, violating 15 U.S.C. 1681c ( a ). 

Account # XXXX XXXX XXXX account # XXXX ( Illegal Charge-Off Reporting & Balance Errors ) TransUnion is illegally updating this charge-off account every month, extending its impact unfairly.

Under 15 U.S.C. 1681c ( a ), charge-offs can not be re-aged.

If the account was sold, the balance must be updated to {$0.00} under 15 U.S.C. 1681s-2 ( a ) ( 4 ). 

FCRA VIOLATIONS COMMITTED BY TRANSUNION : Failure to ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) Failure to properly reinvestigate disputes ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) Failure to verify accuracy of negative reporting ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) ) Illegal re-aging of charge-offs ( 15 U.S.C. 1681c ( a ) ) Failure to update charge-off balance after sale ( 15 U.S.C. 1681s-2 ( a ) ( 4 ) ) Requested Resolution : 1. ) IMMEDIATE deletion of inaccurate late payments on XXXX XXXX XXXX XXXX XXXX. 
XXXX. ) IMMEDIATE deletion of the XXXX XXXX XXXX XXXX XXXX charge-offs due to illegal re-aging. 
XXXX. ) A formal written response confirming correction of these inaccuracies.

4. ) If TransUnion fails to comply, I will escalate this matter legally and pursue statutory damages of {$1000.00} per violation under 15 U.S.C. 1681n.

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 2025-03-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CCF Intermediate Holdings LLC
State: MO

Complaint narrative:
Speedy cash sold debt and the debt collector has reported false on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: TX

Complaint narrative:
Items were unlawfully added to my credit bureau report due to identity theft. Section 605b focuses on blocking information on a consumer 's credit report that is the result of their identity being stolen. In simpler terms, if a particular consumer can show proof that a negative item or multiple items on their credit report are inaccurate due to identity theft, the credit bureau is legally obligated to either remove or block that information from their current report.

This requires only the identity theft report my identification and a statement which is what Im a writing now is all thats required to remove the inquiries and account XXXX and XXXX XXXX. I have good standing accounts and do not need to inquire for more credit. My identity was stolen. When I contacted the lenders they requested I contact the credit bureau. I did and the disputes o filed somehow were deleted and never investigated. 

notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report, you are also in violation of the Fair Credit Reporting Act ( " FCRA '' ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have attached the beginning date of these accounts. I had no knowledge of these consecutive inquiries and believe it was due to identity theft. I have attached all info to block these inquiries as well as the collection account XXXX  and XXXX  XXXX Pursuant to 15 U.S.C. 1681n ( a ), " Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. '' ( CFPB ) has recently filed a lawsuit against credit bureau, 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 credit bureau has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my understanding. I am requesting immediate corrective action to remove or amend the disputed accounts, as credit bureau 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 non-monetary relief
Consumer complaint received 2025-03-19 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: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-19 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: GA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-03-19 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: CA

Complaint narrative:
MY NAME IS XXXX XXXX, I AM SUBMITTING THIS COMPLAINT ON THE BEHALF OF MYSELF. THERE IS NO OTHER COMPANY DISPUTING ON MY BEHALF. PLEASE DO NOT SEND ME AN AUTOMATED RESPONSE! ALL DOCUMENTS WILL BE INCLUDED. I am filing a formal complaint regarding unauthorized hard inquiries that have been placed on my credit report by the credit bureaus. I have recently reviewed my credit reports and discovered multiple hard inquiries that I did not authorize. These inquiries are negatively impacting my credit score and were added without my consent or any legitimate credit application on my part. Under the Fair Credit Reporting Act ( FCRA ), hard inquiries should only appear on my credit report when I have explicitly authorized a creditor to check my credit for a loan or credit application. Since I did not authorize these inquiries, I am requesting their immediate removal. I have attempted to resolve this matter directly with the credit bureaus, but they have failed to take corrective action. I am seeking the CFPBs assistance in ensuring these unauthorized inquiries are removed from my credit report and that the credit bureaus comply with federal regulations regarding credit reporting accuracy. Please advise on the necessary steps to escalate this dispute and protect my consumer rights. The accounts in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-03-19 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief