vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-06-19 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: SC

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

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 explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, VA XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN, XXXX Re : Account # XXXX XXXX XXXX XXXX XXXX Subject : Request for Debt Validation ( FDCPA 1692g ) Dear Jefferson Capital System, I am writing in response to your communication regarding the above-referenced account. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and request that you validate this alleged debt.

Please provide the following : Verification of the amount owed, including an itemized breakdown of principal, interest, fees, and charges. 

The name and address of the original creditor. 

A copy of the written contract or agreement bearing my signature. 

Documentation showing you are licensed to collect debts in my state ( if applicable ). 

Proof that your agency is authorized to collect this debt ( i.e. assignment or ownership documentation ). 

I dispute the validity of the debt and request that you cease all collection activity, including phone calls, letters, or credit bureau reporting, until you have provided the documentation requested. 

Please respond within XXXX  days of receipt of this letter. If you do not provide proper validation, you must terminate all collection efforts and mark any associated credit record as disputed by consumer Thank you for your prompt attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: TX

Complaint narrative:
On XX/XX/XXXX, we made a payment of {$4000.00} through Wise to purchase inventory from what we believed to be the official dog treat brand Golden Reward 's. We were contacted by a party who claimed to represent the brand and provided a product catalog, price list, invoice, and a Wise bank account for payment. They also told us we would receive a Letter of Authorization and be added to XXXX Brand Registry.

After agreeing on product selection, we attempted to pay using the Wise details they provided. The first transaction failed, and they sent us another Wise account, where we successfully sent the full amount.

Once the payment was confirmed, we asked them to ship the inventory. Instead, they demanded an additional {$600.00}, falsely claiming it was for sales tax. This was never discussed previously. When we refused to send more money without shipment, they stopped responding entirely.

Later, we verified that this was not the real Golden Reward brand. The website and communication were fake, and we had been the victim of a fraud scheme involving brand impersonation and payment theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I bought a car from XXXX dealership in XXXX XXXX, CA in XX/XX/XXXX. In XX/XX/XXXX, I went to the XXXX to retrieve title for my vehicle with the intent to sell the car. I never received the title from the dealership, and the dealership is not bankrupt and out of business. I was told by the XXXX that Ally Bank had a lien on the title. I never had a loan or car payment plan with Ally bank. I called them for the first time on XX/XX/XXXX, and they informed me there was a lien on the car but could not say for how much money. I called several times to confirm the amount, and they had no record of how much the XXXX was. They said maybe it was because the records were archived because they were XXXX years old, which is impossible because the cars model year is XXXX. After several calls, Ally said the XXXX was in error and that they would send the lien release in the mail in XXXX business days. I never received it. I called again, and they said it hadnt been sent and that they would expedite it. It was never sent and they closed my case without my knowledge on XX/XX/XXXX. On XX/XX/XXXX, I called and changed the address to which they should send the lien release because I was moving. By XX/XX/XXXX I still had not received the lien release. I called that day and they said they would overnight it and call me back to confirm. No call back. On XX/XX/XXXX, I called back and they had no record of the case. By the end of the call, Ally said they would overnight the lien release but refused to give me a tracking number. They are in possession of my personal property ( my title ) and refusing to give it to me in a timely manner so I can sell my car. Because I moved out of state from CA to GA, I had to pay to store my car during this time because I could not sell the car due to lack of title. Ally asserted a lien and is witholding my title to which it has no legal claim of ownership, which is the crime of conversion. Ally may also be liable for negligence, as they had a legal duty to maintain accurate lien records, which they breached, directly causing my inability to sell my car and incurring damages by way of storage fees, continued payment of car insurance, and lost opportunity to sell.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I was living at XXXX XXXX  when I received XXXX XXXX military orders requiring me to relocate. I informed the apartment management of my situation and provided them with a copy of my military orders. At that time, I was told verbally that there would be no issue with my early termination due to my military service. 

Despite this, my account was later sent to collections with National Credit Systems , Inc., and I now have a collection account on my credit report. I attempted to resolve this matter with the apartment staff, but they were dismissive and unhelpful. Their behavior has been unprofessional, and they seemed to treat this situation lightly, despite the serious impact it has had on my financial record.

This collection account is currently damaging my credit score and affecting my financial stability. This is especially frustrating because I acted in good faith, followed the proper procedures, and am protected under the Servicemembers Civil Relief Act ( SCRA ). I respectfully request that this debt be removed from collections and corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: FIRST PORTFOLIO SERVICING INC
State: OH

Complaint narrative:
I am not sure of dates and amounts because I did not received the pre-approved application with the pre-approved code nor did I receive the card or pay the program fee. Someone fraudulently applied with a pre-approved application I received in the mail. The only reason I became aware of it is because it showed up on my credit report. So the first thing I did was call Revvi they asked me for my application number or a card number I told them I do not have that information the reason I'm calling is to report a fraud and I did not apply for a card from their company. Unfortunately I have gone back and forth with Revvi customer service they're very unprofessional and it's hard to communicate with them I even spoke to a supervisor they couldn't help me either

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX TX XXXX INQUIRIES : XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 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 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX ACCOUNTS : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$23000.00} INQUIRIES : XXXX XXXX Date XXXX XXXXXX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute the accuracy and legitimacy of several items currently listed on my Experian credit report. Due to well-documented Experian data breaches and the risk of identity theft, I am concerned that my personal information may have been compromised and used without my knowledge or consent. 
Disputed Derogatory Accounts : 1. Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1500.00} XXXX. Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$13000.00} Disputed Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I request that these accounts and inquiries be fully reinvestigated in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and removed from my credit file if they can not be verified with documentation from the original furnishers.

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