vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Recently i did a investigation on my credit report and found several items on there to be inaccurate under Section 609 of the Fair Credit Reporting Act ( 15 U.S. Code 1681g ), full disclosure and verification of the following account ( s ) appearing on my credit report : I request that you provide the following information regarding the account listed : The original signed contract or application bearing my signature.

The full name and address of the original creditor A copy of any documents that were used to verify this account.

The method and date of verification with the furnisher of the information.

A complete description of how this account complies with all applicable reporting requirements.

In accordance with Section 609 ( a ) ( 1 ) of the FCRA, I am entitled to a full disclosure of the information in my credit file. If you are unable to verify the information with the original documentation, the item must be deleted from my credit report immediately, as required under FCRA Section 611. 

please remove 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

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Recently i did a investigation on my credit report and found several items on there to be inaccurate under Section 609 of the Fair Credit Reporting Act ( 15 U.S. Code 1681g ), full disclosure and verification of the following account ( s ) appearing on my credit report : I request that you provide the following information regarding the account listed : The original signed contract or application bearing my signature.

The full name and address of the original creditor A copy of any documents that were used to verify this account.

The method and date of verification with the furnisher of the information.

A complete description of how this account complies with all applicable reporting requirements.

In accordance with Section 609 ( a ) ( 1 ) of the FCRA, I am entitled to a full disclosure of the information in my credit file. If you are unable to verify the information with the original documentation, the item must be deleted from my credit report immediately, as required under FCRA Section 611. 

please remove 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

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 2025-04-10 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: MA

Complaint narrative:
XXXX - Account # XXXX Balance : {$4900.00} I respectfully ask that you take immediate action to resolve the data inconsistencies pertaining to this account. Verified information is essential since it significantly affects the reports ' credibility. To clear the records and maintain the required standards, kindly take the necessary steps. 

XXXX - Account # XXXX Balance : {$0.00} Strict adherence to regulations and unwavering precision are essential to the integrity of the credit reporting process. Give me specific records that show you have followed these guidelines. If this accuracy is not maintained, all inaccurate information must be deleted from my file right away. 

XXXX XXXX - Account # XXXX Balance : {$0.00} There are inconsistencies in your most recent report that cast doubt on its veracity. In addition to being important, action is essential. Please give these differences the attention and consideration they require. Verifiable information should be the only thing in the records. It is unacceptable to deviate from this accepted standard in any way. Erasing the false information is necessary for this. 

XXXXXXXX XXXX XXXX - Account # XXXX Balance : {$5400.00} I insist on immediate openness about the accuracy and compliance with rules pertaining to the reporting of this account. The only reasonable course of action, in the absence of tangible proof of your exacting standards, is to remove all dubious entries from my profile. 

XXXX XXXX XXXX - Account # XXXX Balance : {$0.00} I draw your attention to possible inconsistencies in the reporting, which could unnecessarily affect any future financial decisions made in my name. Because flawless reporting is so important, I insist on a thorough examination and, if necessary, the total removal of any inaccurate data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: MI

Complaint narrative:
To Whom It May Concern, Subject : Formal Dispute and Request for Deletion of Charged-Off Credit Card Account Violations of 15 U.S.C. 1635 and 1692g This is a formal dispute under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding a charged-off credit card account reported by [ Creditor or Furnisher Name ], which currently appears on my credit report with the account number ending in 4719.

After conducting a full review of my consumer credit report and documentation associated with this account, I am disputing the legitimacy and continued reporting of this charged-off balance for the following reasons : 1. Violation of 15 U.S.C. 1635 Right of Rescission ( Truth in Lending Act ) : Under 15 U.S. Code 1635, in any credit transaction in which a security interest is retained or acquired in a consumers principal dwelling, the consumer has the right to rescind the transaction within three business days, or up to three years in cases where the required disclosures or rescission notice were not properly provided.

While this credit card account was not secured by real property, the principle of material non-disclosure under TILA still applies to open-end credit when terms are inadequately disclosed, particularly regarding : Variable interest rates Late payment fees and penalty APRs Balance computation methods If the creditor failed to clearly and conspicuously disclose material lending terms under 12 CFR 1026.6 ( Regulation Z ), the underlying agreement may be unenforceable, and therefore any debt derived from that agreement may be invalid or subject to rescission or reformation.

2. Violation of 15 U.S.C. 1692g Failure to Validate Debt ( FDCPA ) : If this charged-off balance has been placed with or sold to a third-party debt collector, I hereby assert that I never received proper debt validation as required under 15 U.S. Code 1692g ( a ).

Upon initial communication from a debt collector, a consumer must be provided with : The amount of the debt The name of the original creditor A statement of the consumers right to dispute the validity of the debt within 30 days A notice that, upon request, the debt will be validated in writing I never received this required notice nor any proof of assignment, itemized account history, or original signed agreement. If the debt was not validated, any collection efforts or reporting to the credit bureaus constitutes continued collection activity in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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:
To Whom It May Concern, Subject : Formal Dispute and Request for Deletion of Charged-Off Credit Card Account Violations of 15 U.S.C. 1635 and 1692g This is a formal dispute under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding a charged-off credit card account reported by [ Creditor or Furnisher Name ], which currently appears on my credit report with the account number ending in 4719.

After conducting a full review of my consumer credit report and documentation associated with this account, I am disputing the legitimacy and continued reporting of this charged-off balance for the following reasons : 1. Violation of 15 U.S.C. 1635 Right of Rescission ( Truth in Lending Act ) : Under 15 U.S. Code 1635, in any credit transaction in which a security interest is retained or acquired in a consumers principal dwelling, the consumer has the right to rescind the transaction within three business days, or up to three years in cases where the required disclosures or rescission notice were not properly provided.

While this credit card account was not secured by real property, the principle of material non-disclosure under TILA still applies to open-end credit when terms are inadequately disclosed, particularly regarding : Variable interest rates Late payment fees and penalty APRs Balance computation methods If the creditor failed to clearly and conspicuously disclose material lending terms under 12 CFR 1026.6 ( Regulation Z ), the underlying agreement may be unenforceable, and therefore any debt derived from that agreement may be invalid or subject to rescission or reformation.

2. Violation of 15 U.S.C. 1692g Failure to Validate Debt ( FDCPA ) : If this charged-off balance has been placed with or sold to a third-party debt collector, I hereby assert that I never received proper debt validation as required under 15 U.S. Code 1692g ( a ).

Upon initial communication from a debt collector, a consumer must be provided with : The amount of the debt The name of the original creditor A statement of the consumers right to dispute the validity of the debt within 30 days A notice that, upon request, the debt will be validated in writing I never received this required notice nor any proof of assignment, itemized account history, or original signed agreement. If the debt was not validated, any collection efforts or reporting to the credit bureaus constitutes continued collection activity in violation of federal law.

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 2025-04-10 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: MI

Complaint narrative:
To Whom It May Concern, Subject : Formal Dispute and Request for Deletion of Charged-Off Credit Card Account Violations of 15 U.S.C. 1635 and 1692g This is a formal dispute under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding a charged-off credit card account reported by [ Creditor or Furnisher Name ], which currently appears on my credit report with the account number ending in 4719.

After conducting a full review of my consumer credit report and documentation associated with this account, I am disputing the legitimacy and continued reporting of this charged-off balance for the following reasons : 1. Violation of 15 U.S.C. 1635 Right of Rescission ( Truth in Lending Act ) : Under 15 U.S. Code 1635, in any credit transaction in which a security interest is retained or acquired in a consumers principal dwelling, the consumer has the right to rescind the transaction within three business days, or up to three years in cases where the required disclosures or rescission notice were not properly provided.

While this credit card account was not secured by real property, the principle of material non-disclosure under TILA still applies to open-end credit when terms are inadequately disclosed, particularly regarding : Variable interest rates Late payment fees and penalty APRs Balance computation methods If the creditor failed to clearly and conspicuously disclose material lending terms under 12 CFR 1026.6 ( Regulation Z ), the underlying agreement may be unenforceable, and therefore any debt derived from that agreement may be invalid or subject to rescission or reformation.

2. Violation of 15 U.S.C. 1692g Failure to Validate Debt ( FDCPA ) : If this charged-off balance has been placed with or sold to a third-party debt collector, I hereby assert that I never received proper debt validation as required under 15 U.S. Code 1692g ( a ).

Upon initial communication from a debt collector, a consumer must be provided with : The amount of the debt The name of the original creditor A statement of the consumers right to dispute the validity of the debt within 30 days A notice that, upon request, the debt will be validated in writing I never received this required notice nor any proof of assignment, itemized account history, or original signed agreement. If the debt was not validated, any collection efforts or reporting to the credit bureaus constitutes continued collection activity in violation of federal law.

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 2025-04-10 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: FL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-04-10 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
BUSINESS LOAN, BUSINESS WENT OUT OF BUSINESS AND WELLS FARGO HAD FALSELY FILED PAPER WORK WITH NO DATE WITH MY SIGNATURE PUT A LEIN ON MY HOME. WENT TO XXXXXXXX XXXX DID WHAT THEY TOLD ME AND ALMOST LOST MY HOME TO MESS THEY MADE AND ALL THEY SAY IS SORRY. ( BAD PEOPLE IF NOT A STANDARD MESS ) WHAT IS STANDARD THAT IS WHY YOU GO TO A PROFESSIONAL, NOW SAID I WOULD LIKE TO HAVE INFO ON WHAT MAY BE OWED AND NEVER RECEIVED AND HAVE NOT RECEIVED ONLY 2 FORMS OF INFO SHOWS PAYMENT AND HUGH AMOUNT OF OVERDUE PAYMENTS WHICH WE NEVER SAW UNTIL XXXXXXXX XXXX. THEY HAVE TAXES ON PAYMENT AND MY FIRST MORT. I PAY TAXES AND NO HELP FROM THEM. THIS MUST BE ANOTHER FALSELY FORMED PAPERWORK. pLEASE HELP. I CAN NOT MAKE A PAYMENT ONLINE AS SAYS THERE IS NO LOAN SO I WENT TO WELLS FARGO IN XXXX AND TOLD ME TO GO BACK ONLINE WHICH CAN NOT. CALLED TODAY AND CAN NOT PAY ANYTHING AS IT IS A PROBLEM AND SHE SUGGESTED I GO BACK TO WELLS FARGO IN PERSON FOR HELP. WHICH I WILL

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 2025-04-10 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: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report that I recently received from Experian, Equifax, and TransUnion. Upon reviewing the report, I noticed several late payments that are incorrect, fraudulent activity, accounts that are open that should have been closed and removed. 
XXXX. XXXX XXXX  - This account is closed, and the loan was paid off. It also shows as negative item on my credit report and I was never late on payment. This needs to be removed from my credit report. XXXX. XXXX XXXX - This account is also closed and paid off. Its shows late payment on my credit report and I was never late on payment. 
XXXX. Department of EducationXXXX XXXX My loans were included in my XXXX  XXXX bankruptcy and should be removed from my account. I was never late on my payments, XXXX. XXXX - This account reflects fraudulent activity ; I have never taken out a loan with them. I want to emphasize that I have never been late on any of these accounts. 

Therefore, I request documentation proving that I was late on these accounts to support your inaccurate reporting. If you can not provide this evidence, I ask that you delete these alleged late payments from my credit report in accordance with 15 USC 1681b. Your company is in clear violation of the law. Under 15 USC 1681b, the permissible purpose of consumer reports states : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not provide you with written instructions to report this information on my credit report. Furthermore, the Fair Credit Reporting Act ( 15 USC 1681 ) states the following regarding exclusions from a consumer credit report : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Given these points, I demand that you delete the aforementioned late payments from my consumer report. Failure to respond satisfactorily with the deletion of the referenced accounts, and sending me a free copy of my report after the changes have been made, will result in legal actions against your company. I will also be seeking {$1000.00} per violation for the following : 1. Defamation of Character 2. Negligent Enablement of Identity Fraud Thank you for your prompt attention to this matter. I look forward to your response.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report that I recently received from Experian, Equifax, and TransUnion. Upon reviewing the report, I noticed several late payments that are incorrect, fraudulent activity, accounts that are open that should have been closed and removed. 
XXXX. XXXX XXXX  - This account is closed, and the loan was paid off. It also shows as negative item on my credit report and I was never late on payment. This needs to be removed from my credit report. XXXX. XXXX XXXX - This account is also closed and paid off. Its shows late payment on my credit report and I was never late on payment. 
XXXX. Department of EducationXXXX XXXX My loans were included in my XXXX  XXXX bankruptcy and should be removed from my account. I was never late on my payments, XXXX. XXXX - This account reflects fraudulent activity ; I have never taken out a loan with them. I want to emphasize that I have never been late on any of these accounts. 

Therefore, I request documentation proving that I was late on these accounts to support your inaccurate reporting. If you can not provide this evidence, I ask that you delete these alleged late payments from my credit report in accordance with 15 USC 1681b. Your company is in clear violation of the law. Under 15 USC 1681b, the permissible purpose of consumer reports states : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not provide you with written instructions to report this information on my credit report. Furthermore, the Fair Credit Reporting Act ( 15 USC 1681 ) states the following regarding exclusions from a consumer credit report : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Given these points, I demand that you delete the aforementioned late payments from my consumer report. Failure to respond satisfactorily with the deletion of the referenced accounts, and sending me a free copy of my report after the changes have been made, will result in legal actions against your company. I will also be seeking {$1000.00} per violation for the following : 1. Defamation of Character 2. Negligent Enablement of Identity Fraud Thank you for your prompt attention to this matter. I look forward to your response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: TX

Complaint narrative:
These account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate plus, this isnt my account and Ive sent out letters to remove these account.. - Delete Account Immediately for violation of 15 USC 1681e ( b ) 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 explanation