vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-16 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: GA

Complaint narrative:
Dear XXXX XXXX XXXX : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

Credit cards and credit lines : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX/XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  : XXXX. XXXX, XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: MO

Complaint narrative:
I had two debts with Caine and Weiner. THey were collecting on behalf of XXXX XXXX XXXX. Both debts were paid on the same day. THey have not updated with the CRA that these debts have a zero balance. They also started that they would delete both accounts from my credit reports once paid and they are still showing on all three reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Westlake Services, LLC
State: FL

Complaint narrative:
During the time of having my car, I made every payment on time. I lost my job and was sick for months due to XXXX, my payments were on time but I couldnt afford it so I called the car company to come get the car. Voluntarily with no behind payments, the I went on to file for bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I am writing to formally file a complaint against RESURGENT/LVNV a debt collection agency that has been harassing me in violation of the Fair Debt Collection Practices Act ( FDCPA ). I have been receiving excessive and inappropriate communications from this agency regarding a debt that I either do not recognize or have disputed. 

Account # XXXX I have received repeated calls from XXXX also from multiple numbers another one that is XXXX at inappropriate hours, including after XXXX. 
I have been contacted via email at XXXX despite requesting communication in writing only. I have got emails back to back with in just minutes also from different email addresses. Very unprofessional speaking as to where Ive felt harassed. Ive asked to be put on the no call list and asked for XXXX sent in a cease and desist lettter. Sometimes they seem to think its funny when calling people and make it out to be no big deal then turn right around and make you feel like you will be going to jail in the next 24 hours if you do not pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am filing a dispute regarding the XXXX  XXXX account, which was reported on my TransUnion Credit Report as of XX/XX/XXXX. The account, opened on XX/XX/XXXX, was closed in XX/XX/XXXX with a reported {$0.00} balance. The account status is listed as Paid or paying as agreed. 

The dispute for this account was marked as resolved by the grantor. However, there appears to be an issue with the way the dispute was handled or reflected on my credit report. The account should show that the balance was paid off or settled, but there is insufficient detail regarding how the dispute was resolved, which is impacting the accuracy of the information being reported. 

The account was opened with a {$300.00} credit limit and closed with a {$0.00} balance by XX/XX/XXXX. However, the report does not clearly explain the final status of the dispute resolution, and it is not clear whether the dispute resulted in an error in reporting the account balance or its status. 

Under 15 U.S.C. 1681 EB, I am requesting that the information regarding this account be verified, and if any discrepancies are found in the dispute resolution process, they be corrected. Additionally, I request that TransUnion provide an updated report once the necessary corrections have been made to ensure the accurate reporting of the account status, balance, and any dispute resolution.

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 2025-03-16 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 am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 


These are the accounts I have marked as inaccurate 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 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 2025-03-16 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: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 


These are the accounts I have marked as inaccurate 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 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 2025-03-16 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: TN

Complaint narrative:
I am a victim of identity theft. I have previously alerted your credit reporting agency to this fact and have previously provided my photo ID, copy of the identity theft police report and the FTC affidavit of identity theft. Unfortunately, although the following accounts were initially removed from my report they have now come back on and are now being incorrectly reported once again. I request these accounts be disputed, removed and/or blocked from my credit report due to fraud. XXXX XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. Please update the phone number on my credit report. The ONLY phone number that should be reported is : 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 2025-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Money was taken out of my account through Zelle and XXXXXXXX XXXX years ago. It was accidentally sent not by me, but by someone using my phone and I couldnt get the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My debit card was locked and a charge appeared on my locked card for XXXX XXXX for {$9.00} I had a free trial that I cancel before my time was up but a charge still went through unauthorized on my locked card. I tried to fix this issue with Wells Fargo

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 2025-03-16 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: AZ

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-03-16 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: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/year>, I opened a XXXX Secured Card with a {$500.00} initial credit line. It was shortly closed, and my {$500.00} direct deposit was never returned to me. I've called numerous times and received no help or answer. Additionally, XXXX ( XXXX XXXX XXXX XXXX  benefits were never applied to any of my previous and current accounts I've had with Capital One, they've been overcharging me In interest, and I should get a refund from everything, including closed accounts, according to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I am writing to formally dispute unauthorized credit inquiries on my credit report. I did not authorize the following companies to access my credit, and I request that these inquiries be removed immediately : Capital One Bank XXXX XXXX XXXX Cap One XXXX Dealer As a consumer, I have the right to dispute any unauthorized transactions or credit inquiries. Since I did not provide consent for these companies to pull my credit, I am requesting their removal from my credit report. 

Please investigate this matter and take the necessary steps to correct my credit file. Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: John C. Heath, Attorney at Law, PLLC
State: MN

Complaint narrative:
I was a client of Lexington Law Firm for five years my home address was XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I haven't received my check from this company yet. I would like you to send my check directly to me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Portfolio recov assoc XXXX XXXX XXXX, XXXX, VA XXXX Subject : Request for Debt Validation Pursuant to 15 U.S.C. 1692g To Whom It May Concern, I am writing in response to your recent communication regarding an alleged debt you claim I owe. Pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), I formally request that you provide validation of this debt. Specifically, I require the following documentation and information to verify the validity of this claim : 1. A detailed payment history : Please provide a comprehensive record of all payments made by me on this account, including dates, amounts, and methods of payment. 
2. Original signed agreement : I request a copy of the signed agreement or contract that I allegedly entered into, which legally obligates me to pay this debt.

3. Insurance claims : Please disclose whether any insurance claims have been filed related to this alleged debt and, if so, provide the details.

4. Chain of title : Supply all documentation proving that Portfolio recovery assoc. has the legal authority to collect on this debt. This should include evidence of the chain of title, showing how and when the debt was transferred or sold to your company. 
Until these documents are provided, and the debt is validated in accordance with federal law, I ask that all collection activities, including reporting to any credit bureau, cease immediately. 
Please note that failure to comply with this request constitutes a violation of the FDCPA. Should I not receive the requested validation within 30 days, I reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), my state Attorney General 's office, or other applicable authorities. 
I expect your prompt attention to this matter. Please confirm receipt of this request and provide the required documents at the earliest opportunity. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-03-16 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: FL

Complaint narrative:
Experian is in fact reporting very Inaccurate information into my credit report. Did an investigation and did not remove this issue from my report I have proof that I do not own any thing to XXXX which was the company that I attempted to dispute with Experian * see attached documents

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 2025-03-16 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: CA

Complaint narrative:
I am writing to bring to your attention a matter of great concern regarding the response times from the three major credit bureaus - [ Equifax, Experian, TransUnion ]. As per the guidelines set forth by CFPB, these credit bureaus are required to respond to consumer inquiries in a timely manner. 

Unfortunately, I have yet to receive a response from any of the credit bureaus after reaching out to them by written communication dated : XX/XX/year> to formally request the modification of derogatory information on my credit report in accordance with all applicable federal and California state laws, current case law, codes, statutes, constitutions, and rules. Several items on my credit reports are inaccurately reported and should be corrected to reflect accurate information. 

It has been well beyond the time frame specified by CFPB, and I am growing increasingly frustrated with the lack of communication and resolution from these entities.

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 2025-03-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FC HoldCo LLC
State: TX

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following inquiries and account be verified or removed immediately : Instruction : Please investigate the reporting of this public record to determine that it meets FCRA requirements and remove this inaccurate report from my credit report. 
Account Name : { XXXX XXXX } Account Number : { XXXX } Balance : { XXXX } Date Opened : { XX/XX/XXXX } Reason : Please investigate the reporting of this public record. I do not believe this public record is reporting accurately. 
Instruction : Please investigate to confirm this inaccurate data meets the FCRA and remove it from my credit report. 
Inquiry Name : { COAF } Date of Inquiry : { XX/XX/XXXX } Reason : This inquiry was not authorized and should not have been reported on my credit profile. 
Instruction : Please investigate to confirm this inaccurate data meets the FCRA and remove it from my credit report. 
Reason : Please investigate the reporting of this account. I don't believe this account is reporting accurately. 
In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Thank you, 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