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

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
I am submitting this complaint regarding inaccurate and inconsistent reporting across XXXX, XXXX, and XXXX that is negatively impacting my credit profile. 

The original debt was not reported for several years, but on XX/XX/XXXX, it was suddenly reopened and re-reported, significantly damaging my credit standing. This re-reporting appears unjustified and raises concerns about the accuracy and legality of the data being furnished. 

Additionally, there are multiple discrepancies among the three credit bureaus regarding the same account, including : Account Status : Reported as a charge-off on XXXX, while other reports show different statuses. 
Last Payment Date : XXXX lists XX/XX/XXXX, while XXXX states XX/XX/XXXX. 
Payment History : XXXX reports 14 % on-time payments, whereas XXXX reflects 0 %. 
Remarks Conflict : XXXX lacks remarks, while XXXX states Consumer disputes after resolution. 
These reporting errors are not only misleading but also a violation of the Fair Credit Reporting Act ( FCRA ), which mandates accurate and verifiable credit information. I have already disputed these errors directly with each credit bureau and provided supporting documentation ( ID, proof of address, and copies of my reports with highlighted inaccuracies ). However, these errors have not been corrected. 

I request that the Consumer Financial Protection Bureau intervene to ensure that : The re-reported debt is properly investigated and, if found inaccurate, removed. 
The inconsistent account details across all three bureaus are corrected. 
I receive written confirmation of any changes made to my credit file. 
These errors are causing me financial harm and unjustly affecting my creditworthiness. I request urgent attention to this matter. 

My XXXX Report has it listed as : Nissan-Infinity XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX Status : Closed, charge-off. Highest balance no info, current balance {$13000.00} with 100 % left to pay on this loan My XXXX Report has it listed as : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Status : Derogatory Closed XX/XX/XXXX but shows last payment XX/XX/XXXX Highest balance reported {$19000.00} but current balance {$13000.00} with 68 % left to pay on this loan. 

My XXXX Report has it reported as : Nissan-Infinity XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Status- Account charge off-written off {$29000.00} with current balance {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to you regarding a debt that your agency claims I owe. In accordance with my rights under federal law, specifically IS USC 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide me with written validation of this debt.

This includes, but is not limited to, the following information : 1. The amount of the debt.

2. The name of the original creditor.

3. A detailed explanation of the debt, including any interest, fees, or other charges.

Under 15 USC 1692g, I am entitled to receive this validation before I can consider any payment. Until you provide this information, I am requesting that all collection activities cease.

Additionally, I would like to draw your attention to 15 USC 1681q of the Fair Credit Reporting Act ( FCRA ), which prohibits the use of false pretenses to obtain consumer credit information.

Any attempt to falsely claim a debt or to misrepresent the details of the debt would be a violation of this statute and could result in legal consequences for your agency.

Please treat this letter as a formal dispute of the debt in question.

Furthermore, I am requesting that you cease all communication with me regarding this matter until you have provided the requested validation. All future communications should be in writing and sent to the address listed above.

I expect to receive this validation within 30 days of the date of this letter. Failure to provide proper validation will result in my pursuing all available legal remedies to protect my rights.

Thank you for your prompt attention to this matter.

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 2025-03-03 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: FL

Complaint narrative:
XXXX  : Account number : XXXX This account was reported as account charged off/written off and is affecting my score negatively. The reporting of this account is incorrect as I still see a balance after it was charged off. I don't believe the status of this account is accurate either. I urge your agency to reinvestigate and provide all the missing information. Also, please explain why there is a past due balance reporting while the report show as a chargeoff? I'm pretty sure you know that it is a violation. I demand the immediate deletion of this account to ensure that your agency is reporting full and only complete information on my account. 
15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOU 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 UNPROVEN MINE, CHALLENGED OR NOT. NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENTS ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECESSARY TO REPORT COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL XXXX ( XXXX ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/ AND OR ALPHANUMERIC SOURCE CODES ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISLATION, ACTS, ARTICLES, PARAGRAPHS, -STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT. ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.

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 2025-03-03 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: LA

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 XXXXXXXX XXXX XXXX XXXX  which falls under XXXX  according to XXXX 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 four 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 2 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 : ( XXXX ) 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 2025-03-03 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: NJ

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2025-03-03 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: One Source Technology
State: NC

Complaint narrative:
I initially filed dispute [ XX/XX/XXXX ] I asked the company to thoroughly investigate the matter. An eviction was showing up on my rental history and I have not lived at that address ever in life or rented from that company. They FAILED to properly investigate the matter. There is an eviction showing up on my credit report that is NOT mine. I disputed this electronically ( XX/XX/XXXX ), I called and disputed, and Ive even mailed proof of identity AND proof of address ( XX/XX/XXXX ) at the time. I can not live in two places at a time.. I had an eviction on my record since XXXX. In XXXX XXXX those take 7 years to be lifted therefore I wouldnt be able to rent.. I asked them to verify debt. I sent XXXX proof of MY identity and all they all did was reach out to the courthouse to verify an eviction record exists. Of course it exists!!!!! THATS WHY IM REACHING OUT!!!!!! XXXX didnt reach out to the company to verify If theyd ever seen ME in person, what I look like, were the keys retrieved in person, the information used to rent such as name, DOB , SSN, Job info. XXXX is in direct violation of FCRA Section 605B and I see why they are being sued currently for this exact reason. I plan on doing the same If this is not investigated and updated. I filed a repeat dispute [ XX/XX/XXXX ] online. The employee I've worked with is XXXX and he hasn't been ANY help. He has failed to properly investigate. I am a victim of identity theft and it sucks I have to fight with companies like XXXX after sending proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: One Source Technology
State: NC

Complaint narrative:
I initially filed dispute [ XX/XX/XXXX ] I asked the company to thoroughly investigate the matter. An eviction was showing up on my rental history and I have not lived at that address ever in life or rented from that company. They FAILED to properly investigate the matter. There is an eviction showing up on my credit report that is NOT mine. I disputed this electronically ( XX/XX/XXXX ), I called and disputed, and Ive even mailed proof of identity AND proof of address ( XX/XX/XXXX ) at the time. I can not live in XXXX places at a time.. I had an eviction on my record since XXXX. In XXXX XXXX those take 7 years to be lifted therefore I wouldnt be able to rent.. I asked them to verify debt. I sent XXXX proof of MY identity and all they all did was reach out to the courthouse to verify an eviction record exists. Of course it exists!!!!! THATS WHY IM REACHING OUT!!!!!! XXXX didnt reach out to the company to verify If theyd ever seen ME in person, what I look like, were the keys retrieved in person, the information used to rent such as name, DOB , SSN, Job info. XXXX is in direct violation of FCRA Section 605B and I see why they are being sued currently for this exact reason. I plan on doing the same If this is not investigated and updated. I filed a repeat dispute [ XX/XX/XXXX ] online. The employee I've worked with is XXXX and he hasn't been ANY help. He has failed to properly investigate. I am a victim of identity theft and it sucks I have to fight with companies like XXXX after sending proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Someone made a hard inquiry on my credit report with two banks XXXX and capital one. They are using an address I stayed at 10 years back, this is not me. and I have placed a freeze on my account as well.

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

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-03-03 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 submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to formally lodge a complaint against Wells Fargo bank regarding their refusal to open accounts for me, as well as the abrupt closure of my account with XXXX XXXX XXXX without prior notice or explanation. I believe these actions may reflect discriminatory practices against me as an Armenian individual. On several occasions, I have attempted to open accounts with these financial institutions, only to be met with refusals and no clear rationale for their decisions. Despite my efforts to seek clarification, I have received no satisfactory explanations or reasons for these denials. This lack of transparency raises concerns about potential discriminatory practices that may be at play. Furthermore, I would like to bring to your attention the troubling experience I had with XXXX XXXX XXXX. They closed my account without any notice, leaving me without access to my funds. This action has caused me significant financial distress and has further contributed to my feeling of being treated unfairly. I urge the OCC to investigate these matters thoroughly. It is crucial that financial institutions uphold the principles of fairness and equality in their operations, ensuring that all individuals, regardless of their background, are afforded the same opportunities and treatment. I appreciate your attention to this serious matter and look forward to your prompt response.

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