vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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: PA

Complaint narrative:
I have filed a FTC report shortly after realizing fraudulent accounts/items on my FICO credit report. I have uploaded my FTC report, copy of my drivers license and social security card as proof of my identity. I am filing this complaint to request that you place an immediate block on these fraudulent accounts/items in my credit file within 4 days upon receipt of this correspondence. 

I have recently reviewed a copy of my credit report and the following accounts/items does not relate to any transactions that I have made ; therefore, I am requesting that these accounts/items be completely REMOVED and BLOCKED from my FICO credit report. This is not a regular dispute, I have filed a complaint with the Federal Trade Commission to document being a victim of Identity Theft.

Please REMOVE and BLOCK this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts/items be deleted and blocked from my credit file : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-02 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: FL

Complaint narrative:
- I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: FL

Complaint narrative:
I am writing to dispute the inaccurate and misleading information being reported on my credit file in reference to the above-referenced account from XXXX XXXX XXXX. 
The following information is being reported inaccurately : Account XXXX : XXXX XXXX : {$10000.00} Comments : XXXX was taken back by credit grantor ; there may be a balance due. 
Last Payment Date : XX/XX/year> Date Last Active : XX/XX/year> This account is showing a repossession with a remaining balance, which is misleading, incomplete, and in violation of the Fair Credit Reporting Act ( FCRA ). Heres how : Violations of the FCRA FCRA 607 ( b ) [ 15 U.S. Code 1681e ( b ) ] Credit bureaus are required to maintain maximum possible accuracy in the reporting of consumer information. Reporting both a repossession and a charge-off balance without validating the post-sale deficiency is a violation of this requirement.

FCRA 611 ( a ) [ 15 U.S. Code 1681i ] You are required to conduct a proper reinvestigation of any disputed information within 30 days. I am demanding a full reinvestigation of this account, including validation from the data furnisher. 
FCRA 623 ( a ) ( 1 ) ( A ) XXXX XXXX has a duty to only furnish information that is accurate and complete. 
Reporting a charge-off after repossession without accounting for a vehicle sale or deficiency letter is incomplete and misleading. If the vehicle was sold, the remaining balance must be adjusted properly if no sale occurred, proof of ownership and balance breakdown must be provided. 
FCRA 609 ( a ) ( 1 ) ( A ) I am requesting full documentation and verification of the original contract, payment history, repossession records, and post-sale accounting. If you can not provide this, the account must be removed under federal law. 

Demand for Deletion Due to the inability to verify this debt with complete and accurate information including lack of proper deficiency breakdown, failure to report accurately post-repossession, and misleading remarks I am demanding the immediate deletion of this account from my credit report. 
If your office is unable to provide verifiable documentation within 30 days of receipt of this letter, this account must be permanently removed. 
Please send me written confirmation of the results of your reinvestigation.

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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
They continue to call me about a personal matter not sure what company is for i believe its for XXXX, XXXX XXXX with XXXX same company has called multiple times they have gone as far as contacting my family members to get in contact with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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:
Wells Fargo Deferred Interest Charges on 0 % Promo Loan I am disputing a charge of {$3500.00} in deferred interest that was applied to my Wells Fargo promotional loan, despite making on-time and above-minimum payments every month. 

I opened a promotional 0 % APR loan through Wells Fargo with Air Specialist in XX/XX/XXXX. The promotional terms were " No Interest if Paid in Full within 18 months. '' I made automatic monthly payments of {$610.00}, which was well above the required minimum. 

My XX/XX/XXXXXXXX  statement showed I owed only {$1200.00} on the promotional balance that was set to expire on XX/XX/XXXX. I had more than enough funds in my {$610.00} payment to fully pay off that balance. However, Wells Fargo applied payments toward a separate promotional loan ( which doesnt expire until XX/XX/XXXXXXXX  ) insteadcausing me to miss the expiration on the earlier loan and get hit with {$3500.00} in interest. 

I was never told that I could direct payments. According to Wells Fargo 's own payment hierarchy, they apply minimums however they choose, and only prioritize expiring promos if theyre within two billing cycles. This lack of transparency and control unfairly penalized me as a responsible borrower. 

I am now being told I must pay {$1300.00} to settle a charge that should never have occurred. I am requesting the CFPBs assistance to : Reverse the deferred interest charges in full Ensure customers are given the ability to allocate payments in good faith when more than one promo balance exists. 

Supporting documentation ( statements and Wells Fargos letter ) available upon request.

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 2025-04-02 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This account was removed from my XXXX credit report but remains on XXXX and XXXX. I previously requested validation of this debt, proof of purchase agreement and the method of verification ( MOV ) used to confirm its accuracy. However, the furnishing company failed to provide adequate documentation proving the legitimacy of the account and its reporting. Since XXXX has removed this item, its continued reporting to XXXX and XXXX is inconsistent and potentially inaccurate. I am requesting its removal to ensure fair and accurate reporting. 

Additionally, XXXX XXXX XXXX, the original creditor, is reporting this account negatively twice on my XXXX credit reportonce as an original account under XXXX XXXX XXXX  and again as a collection account through LVNV Funding. Both entries reflect the same account number and details, resulting in duplicate negative reporting for a single debt. This misreporting unfairly impacts my credit profile. Under the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ), furnishers are required to report only accurate information, and failing to correct inaccuracies is a violation of federal law. 

Furthermore, under FCRA 1681n and 1681o, a consumer has the right to seek damages of up to {$1000.00} per willful violation. Since I have not received proper validation within the required timeframe, I am requesting the immediate removal of both accounts to ensure compliance with federal reporting standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: SC

Complaint narrative:
I am writing you about the compromising of my social security number due to the Equifax Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The information listed below, which appears on my credit report, does not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: SC

Complaint narrative:
The issue is improper late payment tagging under 15 USC 1666B.

15 USC 1666B : Late Payment Under 15 USC 1666B, a creditor can not mark a credit card payment as late if they have not sent the periodic statement, including all required information, at least 21 days before the payment due date. 
XXXX  Also see attached.

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 2025-04-02 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-04-02 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
On XX/XX/year>XXXX XXXX XXXX   was removed from my accounts after an investigation proved that my ex spouse was responsible for the debt. Today XX/XX/year> I notice that it is put back onto my credit report

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 2025-04-02 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: FL

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 2025-04-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 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 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 2025-04-02 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: VA

Complaint narrative:
Equifax mirrors a delinquent account from XXXX XXXX showing on XXXX that has since been removed by XXXX because the 7 year reporting limit has been exceeded. i have brought this to their attention and they have refused to contact XXXX to verify that the collection has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: FL

Complaint narrative:
I am submitting this complaint against Equifax Credit Bureau regarding inaccuracies in my personal information as reported in my credit report. 

Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX, XXXX, FL XXXX ; but my credit report shows an outdated address as XXXX XXXX XXXX XXXX  XXXX, FL, XXXX ; XXXX XXXX XXXX, XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I request that my current address be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: OH

Complaint narrative:
I am a victim of identity theft due to the XXXX data breach. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681c-2, I am asserting my rights to restrict the use of my credit file and demand immediate action to prevent further unauthorized access. Additionally, under 15 U.S.C 1681 b ( c ), I challenge my authorized inquires, and accounts or access to my credit report. Failure to comply with these legal protections will result in further 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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I sent them a letter in wring over 3 months ago with XXXX reply from them of this account ownership paymenst everthing and they dont reply, i disputed on XXXX and XXXX XXXX XXXX and within 5 days they woudnt remove with again no proff of anything no lettere cno corresponce at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief