vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 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: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

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 2025-04-07 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: CA

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 2025-04-07 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: MN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a hard inquiry that appears on my credit report dated XX/XX/scrub> 2025, by XXXX XXXX I did not authorize this hard inquiry and was explicitly told it would be a soft pull. 

Under the Fair Credit Reporting Act, I am requesting that this unauthorized inquiry be removed from my credit report. Please investigate this matter, and provide written confirmation of the results.

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 2025-04-07 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: AR

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 non-monetary relief
Consumer complaint received 2025-04-07 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
Nissan Motor Acceptance Company LLC XXXX XXXX XXXX XXXX, Texas XXXX RE : Demand for Immediate Deletion of Inaccurate Credit Reporting - Account No. XXXX To Whom It May Concern : This letter constitutes a formal demand for the immediate deletion of all negative and inaccurate information reported by Nissan Motor Acceptance Company LLC ( " XXXX '' ) to XXXX, XXXX, and XXXX regarding account number XXXX. 
I contend that NMAC has reported inaccurate information, including open balance of late payments and a charge-off, without a valid, signed credit agreement authorizing such reporting. I assert that I do not have a signed credit agreement with NMAC that grants them the right to report my credit information to any credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: NAVY FEDERAL CREDIT UNION
State: KS

Complaint narrative:
I am submitting a complaint against Navy Federal Credit Union for raising the interest rate on my credit card from 14 % to 18 % without any prior notice or clear justification. I have contacted them from XXXX with no help. This increase occurred even though the prime rate has gone down. 

Over the past several months, I have contacted Navy Federal multiple times to understand the reason for the increase and to request a lower rate. Each time, I was given suggestions to improve my standingsuch as paying down the balance or maintaining a good payment historywhich I have consistently followed. 

I reduced my credit card balance from {$14000.00} to {$10000.00}, made timely payments, and followed their recommendations. Despite this, Navy Federal continues to deny any rate reductions or credit limit increases, and offers no clear explanation. 

I find this practice to be unfair, misleading, and lacking transparency, especially since I was not notified of the original interest rate hike and have made every effort to be financially responsible. 

I am asking the CFPB to investigate Navy Federals handling of interest rate changes and their failure to consider customer improvements or offer reasonable relief.

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Transaction date- XX/XX/year> XXXX XXXX XXXX XXXX Unintended recipient-XXXX XXXX XXXX I am writing to file a formal complaint against Wells Fargo Bank regarding an unauthorized transaction that occurred on XXXX XXXX. 
I intended to send {$200.00} using XXXX to the recipient listed above. Unfortunately I mistakenly entered the incorrect phone number which resulted in funds being sent to an unauthorized recipient. 
I immediately after realizing the error, I contacted Wells Fargo to alert them and to request a reversal of the transaction,. However, I was informed that they can not reverse the transaction in my request for assistance has been denied. 
Im seeking your assistance in resolving this matter and obtaining a refund of {$200.00} that was sent to the incorrect recipient. I believe my bank has not taken the appropriate action to rectify the situation and I would appreciate your guidance and help on how to proceed thank you for your attention to this matter and I look forward to your prompt response sincerely, 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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am 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 explanation
Consumer complaint received 2025-04-07 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: IL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX, XXXX, ILXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ILXXXX XXXXXXXX XXXX XXXX XXXX, XXXX, ILXXXX XXXX Il XXXX XXXX XXXX XXXX XXXX XXXX ILXXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, ILXXXX XXXX XXXXXXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed Inquiries in Dispute : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX, XXXX, ILXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ILXXXX XXXXXXXX XXXX XXXX XXXX, XXXX, ILXXXX XXXX Il XXXX XXXX XXXX XXXX XXXX XXXX ILXXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, ILXXXX XXXX XXXXXXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed Inquiries in Dispute : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-04-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I noticed on my credit report that a {$150.00} debt allegedly owed to XXXX was reported by a collection agency. I was never notified or provided any documentation validating this debt prior to it being reported, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). I never received written notification advising me of my right to dispute the debt within XXXX  days. 

I formally requested verification of the debt, including a signed contract, itemized charges, and proof that the collection agency has legal authority to collect. To this day, no documentation has been provided. 

Because this debt has not been validated, it is unlawfully reported and must be removed from my credit report immediately. I also reserve the right to pursue legal action for every false or misleading action taken regarding this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I ordered from a company called XXXX ( their website no longer exists ). On XX/XX/XXXX, I saw that I couldn't track my order or anything. I reached out to the company and they told me my order number didn't exist and that I may have ordered from a fake website. On XX/XX/XXXX, I sent CashApp documents of what the company said and my order number that no longer worked, etc. On XX/XX/XXXX, they informed me that they denied my dispute because I authorized the transaction. I Authorized the transaction in exchange for the goods that were ordered not to be scammed. On XX/XX/XXXX, I requested the document that they relied on to deny my dispute. I received the document on XX/XX/XXXX, and it literally doesn't provide any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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:
On or around XX/XX/XXXX2025, I noticed that my XXXX XXXX account ( XXXX : XXXX ) was being inaccurately reported on my credit report. This account has never been late, and all payments have consistently been made on time. I made a formal payment on XX/XX/XXXX 2025, and I have maintained a Current status with a {$0.00} past due amount. 
Despite this, the account is being reported with incorrect information, including : An inaccurate balance A payment history that falsely suggests delinquency Possibly incorrect remarks and payment status indicators This account should reflect as follows : Last payment : XX/XX/XXXX2025 Current payment status : Current Amount past due : {$0.00} Worst payment status : 0 Days Late Account status : Open Type : Charge Account Responsibility : Individual Remarks : No Info Times 30/60/90 days late : XXXX Closed : No Info I previously contacted the creditor and made an agreement regarding the payment schedule, which has been fully honored. The incorrect reporting does not reflect the actual status of the account or my responsible payment history.

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 2025-04-07 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: IN

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: IN

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove.

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 2025-04-07 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: IL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX, XXXX, ILXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ILXXXX XXXXXXXX XXXX XXXX XXXX, XXXX, ILXXXX XXXX Il XXXX XXXX XXXX XXXX XXXX XXXX ILXXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, ILXXXX XXXX XXXXXXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed Inquiries in Dispute : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-04-07 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX XX/XX/XXXX Re : Request for Removal of Unverifiable Debt from Credit Report- Account Numbers- XXXX and XXXX Dear Transunion. Equifax and Experian I hope this letter finds you well. My name is XXXX XXXX XXXX and I am writing to formally request the removal of an unverifiable account that is currently reported on my credit file. I recently reviewed my credit report from XXXX, where a charge-off accounts from the following XXXX XXXX XXXX XXXXAccount numberXXXX and XXXX were listed. Upon investigation, XXXX completed the dispute process on XX/XX/XXXX and the account was fully deleted in compliance with consumer protection laws. 

According to the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i ( Investigation of Disputed Information ), when an item on a consumers credit report is found to be unverifiable or inaccurate during a dispute, it must be removed or corrected. Since Innovis has removed this account from my credit report, and the information provided by XXXX XXXX XXXX XXXX account numberXXXX and XXXX Were deemed unverifiable, I am requesting that you conduct an immediate investigation of the account listed on your reports and delete this unverifiable information from my credit file. 

Furthermore, as the account has been deleted by XXXX, it has been effectively verified as inaccurate, which obligates your agency to remove this account under the same protections granted by the Fair Credit Reporting Act ( FCRA ). Section 1681i ( a ) ( 5 ) of the FCRA stipulates that when an account is deleted by another credit reporting agency, that information can not continue to be reported.

I respectfully request that you remove this unverifiable charge-off from my credit report within 30 days. If you fail to do so, I will be forced to consider further actions to protect my rights as a consumer. 
Please be aware that as a consumer, I am protected under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Consumer Financial Protection Act ( CFPA ), which empower me to take legal action should inaccurate or unverifiable information remain on my credit report. If this matter is not resolved promptly and the unverifiable debt is not removed, I reserve the right to pursue legal action, including seeking damages for any harm caused by the continued reporting of this incorrect information. 
I trust that you will take swift and appropriate action in accordance with the law. Please notify me in writing of your decision, and provide me with the necessary documentation confirming that this account has been removed from my credit report. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation