vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 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:
I have never been XXXX  days or more late with paying my auto loan. I have had this loan since XXXX of XXXX  and I have never missed a payment. I reached out to the company and was treated horribly. The person that I spoke with refused to transfer me to a supervisor or even a different customer service representative. I would not make avoid making a payment later than XXXX  days for XXXX years and then make one now. I take my credit very seriously and I am not ok with letting this error sit on my credit file when I did not make a late payment

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 2025-04-09 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:
I am writing to convey my strong displeasure regarding a potential violation of the Fair Credit Reporting Act ( FCRA ) related to the reinsertion of previously deleted information in my credit report. Section 611 ( B ) of the FCRA clearly delineates the procedures and requirements for reinserting any deleted information. 



Causes of Frustration On XX/XX/year> the following information was removed from my credit report : Creditor 's Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Deletion : 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 explanation
Consumer complaint received 2025-04-09 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: IN

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute & Validation Demand XXXX Account To Whom It XXXX Concern : Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I formally dispute the following account in its entirety and demand strict procedural compliance : Disputed Account : Creditor : XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Legal Demands : 1. Complete Verification requiring direct confirmation from the original creditor with full chain of title documentation 2. Immediate Suppression of the disputed item pending investigation XXXX. Detailed Methodologies Report explaining how your agency validated this information Notice : This dispute constitutes a continuing objection to all future reporting of this account Any failure to conduct a reasonable investigation will result in escalation to the CFPB and state regulators I reserve all rights under FCRA XXXX regarding willful or negligent non-compliance Required Actions : 1. Conduct investigation within 30 days as mandated by law 2. Provide written response with : o Verification documentation o Investigator 's name/credentials o Detailed correction procedures 3. Issue updated reports to all recent recipients Legal Notice : This communication serves as evidence that I have exercised my statutory rights in good faith. Any negative determinations must include the specific factual and legal basis for such conclusion. 
Sincerely, BY : XXXX, XXXX XXXX FOR : 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 non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing — 
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I was told it would take XXXX hours to have the cashiers check reviewed and sent out. Its now been XXXX days, and I still have no update or timeline. This delay is directly jeopardizing my deal, and Im now at serious risk of losing it because of your lack of follow-through and communication. 

Whats even more frustrating is that every time I call, no one gives me any real answers or solutions. I keep getting passed around with no progress. This is completely unacceptable. I need someone to take responsibility and tell me exactly when Im going to receive my money. I expect a resolution immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My bank incorrectly documented my claim for unauthorized transactions on my account. I reported the amount they wrongfully denied the claim even though I provided police report and other documentation. The misrepresentation likely influenced the wrongful denial of my claim. I tried to resolve the matter directly with bank with no success, I want them to reopen my claim and properly investigate and issue a refund for the unauthorized transactions. I am also requesting any and all internal documentation or evidence of reason for there decision. I believe they failed to follow the proper procedures under regulation 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 2025-04-09 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: IN

Complaint narrative:
Dispute of Inaccurate Credit Reporting under the Fair Credit Reporting Act ( FCRA ) This section of the Fair Credit Reporting Act ( FCRA ) outlines the legal obligation of credit reporting agencies ( such as Experian, XXXX, and XXXX ) to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information in their credit file. 

Upon receiving notice of a dispute, the credit bureau must : Reinvestigate the disputed information, usually within 30 days Notify the data furnisher ( e.g., a lender or collection agency ) of the dispute Delete or correct any information found to be inaccurate, incomplete, or unverifiable Provide the consumer with written results and a free updated credit report if changes were made Failure to comply with this section may result in liability under 15 U.S.C. 1681n or 1681o, depending on whether the violation was willful or negligent.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I had an account with progressive that was sent to collections. I Settled in XX/XX/year>, but Caine & Weiner XXXX XXXX- {$1100.00} ) still reported as active collection in XXXX. I have consistently requested that XXXX, XXXX and XXXX correct or delete inaccurate information, as required by the FCRA, because it is negatively affecting my creditworthiness. However, they have not been helpful at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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:
I had an account with XXXX  that was sent to collections. I Settled in XX/XX/year>, but XXXX XXXX XXXX XXXX XXXX- {$1100.00} ) still reported as active collection in XXXX. I have consistently requested that Experian, TransUnion and XXXX correct or delete inaccurate information, as required by the FCRA, because it is negatively affecting my creditworthiness. However, they have not been helpful at all.

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 2025-04-09 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
XXXX  XXXX I am writing to formally address the issue regarding the fraudulent activity associated with my account. As previously communicated, I was a victim of identity theft, and I promptly notified your company about the fraudulent transactions. Under Texas law, specifically Section 392.202 of the Texas Finance Code, after seven years, negative information related to such fraud can no longer be reported on my credit history. 

I request that you remove any and all records of this fraudulent activity from my credit file as it has surpassed the statutory period for reporting. Failure to comply with this request will leave me no choice but to seek legal remedies for any ongoing violations.

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 2025-04-09 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:
I am once again demanding the immediate deletion of the XXXX XXXX account ( Account XXXX. XXXX ) from my credit report. I have submitted multiple disputes, yet TransUnion continues to ignore the clear errors and has failed to provide verification as required by law. 

I have attached a copy of the TransUnion credit report sent to me, which clearly shows inaccurate and incomplete payment history on this accountincluding repeated CO notations and ND entries across several years. These discrepancies violate the Fair Credit Reporting Act ( FCRA ), specifically : XXXXXXXX XXXX XXXXXXXX ( b ) : You must ensure maximum possible accuracy. 

XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) : You are required to conduct a reasonable reinvestigation. 

XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) : If the information can not be verified, it must be deleted. 

XXXX XXXX. XXXX ( a ) ( XXXX ) : Negative accounts can not be reported more than XXXX years from the first delinquency.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have hard inquiries on my report from the same company several of times. I think I have fraudulent activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following accounts and inquiries : XXXX. XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX. XXXX XX/XX/XXXX {$880.00} XXXX. XXXX  XX/XX/XXXX {$200.00} XXXX. XXXX XXXX XX/XX/XXXX {$6400.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections and public records appearing on my consumer XXXX credit report. Here is a list of the following hard inquiries in question, XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX. 
I have also included a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, public records, collections, or hard inquiries as reported. The aforementioned accounts, collections, public records 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, public records and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-09 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-09 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I went to check my credit report and noticed there were some inquiries that were listed that are not mine.

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 2025-04-09 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: PA

Complaint narrative:
I am filing this complaint because XXXX XXXX  ( XXXX ) has reported the same debt multiple times under different names on my credit reports specifically listed as XXXX and XXXX. This is a clear case of duplicate reporting intended to artificially damage my credit score, which is misleading and deceptive. 

Both accounts are listed as charged off but continue to report a past due balance of {$580.00}, which is contradictory, misleading, and violates my rights under FCRA 623. If a debt is charged off, it can not simultaneously be reported as open and past due for months on end. 

Additionally, the monthly reporting continues to reflect a CO status for months after the account was closed, which constitutes inaccurate continuation and re-aging of derogatory information a violation of FCRA 623 ( a ) ( 1 ) ( A ) and 605 ( c ).

Both accounts are missing critical details such as the Original Creditor Name and Terms, which makes these tradelines unverifiable and incomplete, violating Metro 2 and CFPB data reporting requirements. 

This is not only irresponsible reporting, but it is also causing severe and ongoing damage to my creditworthiness. I have previously attempted to resolve this directly with the creditor and the credit bureaus, but no correction has been made. 

I am demanding the immediate deletion of account from all credit bureaus Experian, XXXX, due to violations of the Fair Credit Reporting Act and reporting guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I would like to thaw my credit. I tried on line and they could not find my account when I gave them my SS and Date of birth. Said my account didn't exist. I froze my credit years ago and have a pin number to thaw. There were no options on Experian 's website to continue. I tried XXXX phone number but got the same machine and it would not let me thaw just referred me back to the website. There are no options to talk to a live person to get assistance. Help.

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 2025-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I received a bill from XXXX XXXX XXXX for a bill under {$500.00} for services rendered at XXXX XXXX XXXX in XX/XX/year>XXXX  while I was XXXX. 

The hospital, after reviewing my financial information, provided me with a letter of concession to reduce my bill by 80 %. That was to be honored by all the external physician group bills XXXX XXXX XXXX was the ONLY physician group that refused to honor this. So I refused to pay them because I do not have the money. Not only that, on our most recent call they informed me that my care would be placed on hold, would NOT go to collections, while a review of the discount would be held. 

They have committed the fraudulent practice of selling my debt to multiple agencies who are now harassing me. This week I received debt collections on behalf of XXXX from : I.C System inc AND XXXX XXXX XXXX Both of these bills were for different amounts and neither for the original debt amount. 

I believe that this is a fraudulent practice on behalf of XXXX and the debt collection agencies.

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 2025-04-09 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: CL Holdings LLC
State: OH

Complaint narrative:
I recently check my credit report and I noticed a collection agency by the name XXXX XXXX XXXX. I have no business with them ; neither do I know how and where they obtain my information. However, in the past I've been a victim of identity theft and my identity had been compromised since then. I called XXXX XXXX to verify what's going on ; and they told me that they can not find any information about me in their system. Instead, they tried to charge me before they retrieve my information. They wouldn't tell me the actual creditor and amount reported to XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: NY

Complaint narrative:
If XXXX, XXXX, Equifax, XXXX, or XXXX XXXX XXXX XXXX can not provide a legible, enforceable agreement that contains clear terms and my explicit consent, I demand that the XXXX XXXX be permanently deleted from all consumer reporting systems. This includes all CRA and affiliate databases. 

Additionally, I request compensation for damages caused by : Ongoing false and unverifiable reporting Denial or delay of housing and credit opportunities Violations of FCRA 611 ( a ) ( 5 ) ( B ), 604 ( a ) ( 2 ), and NY GBL 349 Re-insertion of information without proper notice Disregard for Metro 2 and contract disclosure standards I also request written confirmation from each CRA that they have ceased reporting the XXXX account and have notified all parties who obtained my credit file during the period of disputed activity.

Company response to consumer: Closed with non-monetary relief