vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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: IN

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 non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NV

Complaint narrative:
Ongoing Inaccurate Reporting of Closed XXXX XXXX XXXX XXXX and Desist & Request for Investigation To Whom It May Concern, I am filing this formal complaint against Nissan Motor Acceptance Corporation ( NMAC ) for violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

NMAC continues to inaccurately report an account that was closed over 7 years ago, updating it monthly with new late payment notations. This account should no longer be appearing on my credit report due to its age and closure status. The continued reporting and updating of this account is misleading and damaging to my credit, and it raises serious compliance concerns under federal law.

Violations and Legal Concerns : FCRA 605 ( a ) ( 15 U.S.C. 1681c ) : Consumer reporting agencies are prohibited from including adverse information, including late payments, that are older than 7 years. This account is past the statutory reporting period and should be permanently removed.

FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ) : Data furnishers must not report information they know or reasonably should know is inaccurate. Monthly updates of a closed, aged account as currently delinquent constitute false reporting.

FCRA 623 ( a ) ( 2 ) : Furnishers are required to promptly correct and upd
ate inaccurate or incomplete information. Despite prior disputes, the account remains improperly updated.

FCRA 611 ( a ) ( 15 U.S.C. 1681i ) : As a consumer, I exercised my right to dispute the inaccurate reporting. However, the item has not been properly investigated or corrected as required by law.

Cease and Desist Notice : This letter serves as formal notice to Nissan Motor Acceptance Corporation to immediately CEASE AND DESIST from any further attempts to collect on this alleged debt.

Given the age of the account, its closed status, and its improper continued reporting, any further collection efforts are in violation of both the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), where applicable. Continued collection activity on a time-barred or inaccurately reported debt may constitute harassment and unfair practices under 15 U.S.C. 1692d and 1692e. 

Requested Resolution : Permanently remove the outdated account from all consumer credit reports ( XXXX XXXX XXXX XXXX  ). 

Cease all collection attempts related to this account, whether directly or through third-party collection agencies. 

Provide written confirmation of the removal and cessation of activity. 

Initiate an internal compliance review to ensure no similar violations are occurring with other consumers. 

This matter has caused unjust damage to my credit and peace of mind. I ask the CFPB to conduct a thorough investigation and take appropriate enforcement action to ensure my rights are upheld. 

Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: CA

Complaint narrative:
My car insurance company doesn't cover motorcycles so I had my XXXX of my bikes insured with XXXX, I sold XXXX so I canceled it from my policy. Later I ended up selling the other to get a new bike for my birthday but found a better deal with XXXX XXXX through XXXX as I am of that age, on that day ( XX/XX/year> ) I called my insurance agents office and spoke to my agents representitive who answered the phone, I informed here that I've sold the bike and I no longer need there services and she said they would cancel the policy but I was paid through the end of the month. I then immediately canceled the auto payments with my bank and went on with my life. A few months later I recevied a collections notice so I tried to call the agent and the office had permanently closed, then I noticed a reporting on my credit which I diputed with XXXX  and they removed it, I then made a dispute with equifax and they refuse to remove it. This is sending a message that just anyone can say you owe them money and if you don't pay up they can report it to your credit report and you have no recourse! I was paid in full for the final month of my coverage, I didn't ( And still don't ) owe XXXX XXXX any money!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I have XXXX refund from XXXX that i have not received to my Wells Fargo bank. This is related to case # XXXX Wells Fargo bank claims that is my fault because i have not notify Wells Fargo about the delay of the refund withing 60 days where XXXX stating that sometime the refund can take more than 60 days to be deposited to my account. The typical reply from Wells Fargo to close this case would be " customers are responsible for notifying the bank of any unauthorized transactions or to dispute any electronic funds transfer transactions no later than 60 days from the statement date on which the first unauthorized or disputed transaction appeared '' I have issued a complaint against XXXX regarding this issue ( see attachment ) and they did a trace of the refund and confirm that the refund was issued to my Wells Fargo bank. The solution for this case is very simple. Wells Fargo can confirm that the refund was received and deposited to my bank and the case will be closed. 

These are the missing refund that XXXX confirm that were deposited to my account as per attached XXXX. 

Reference Number XXXX XX/XX/year> for the amount of {$24.00} USD Reference Number XXXX XX/XX/year> for the amount of {$5.00} USD Reference Number XXXX XX/XX/year> for the amount of {$63.00} USD Reference Number XXXX XX/XX/year> for the amount of {$200.00} USD Reference Number XXXX XX/XX/year> for the amount of {$76.00} USD The question to Wells Fargo is very simple. XXXX did a trace of the refund and confirm it was issued to my bank. Can you please confirm that refund was deposited to my bank?

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 2025-05-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Marlette Funding, LLC
State: MN

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate Credit Reporting Issue Summary : I am submitting this complaint regarding inaccurate and unfair credit reporting by [ XXXX XXXX  ]. Despite multiple goodwill adjustment requests and attempts to resolve this matter directly, the company has refused to reconsider my situation, which is unjustly impacting my financial well-being. Details of the Complaint : Prior to my financial hardship due to unforeseen job loss, I had a strong payment history, consistently making on-time payments and even utilizing automatic payments to ensure financial responsibility. My job loss led to temporary financial instability, causing me to fall behind on paymentsnot due to negligence but due to circumstances beyond my control. Since that time, I have regained financial stability and am fully capable of managing my loans going forward. Despite this, [ XXXX XXXX ] has refused to provide a goodwill adjustment or acknowledge my previously strong credit history, even though similar companies offer such adjustments under the Fair Credit Reporting Act ( FCRA ) guidelines. Their failure to review my request in good faith has resulted in a dramatic and unfair decline in my credit score, despite my efforts to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
As of XX/XX/year> the new Federal Ruling that says Medical Debt should not be reported on credit reports, is not being done properly. All XXXX credit bureaus : Experian, XXXX, and XXXX  have reported the following medical debt and refuse to remove it after repeated attempts to contact them. 

XXXX XXXX XXXX - XXXX entries

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 2025-05-08 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: TX

Complaint narrative:
I am unaware with those inquiries, and they appears to be unapproved. Kindly take prompt action to resolve this issue. The materials that are included provide more details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 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 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 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 2025-05-08 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 2025-05-08 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: PA

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-05-08 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: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: NC

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

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 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  XXXX5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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:
My credit report contains incorrect personal details, and as a result, unknown and inaccurate accounts have appeared that do not belong to me. This is not a simple errorit reflects a serious issue of mixed and compromised information, which is now affecting my financial standing and causing ongoing stress.

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 2025-05-08 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: MT

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$1000.00}

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 2025-05-08 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: TX

Complaint narrative:
This CFPB complaint is submitted pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ) to request that Experian immediately block the fraudulent and unauthorized accounts listed below from my consumer credit report within four business days of receiving this complaint. Additionally, under FCRA Section 611 ( 15 U.S.C. 1681i ), I formally dispute the accuracy and legitimacy of these accounts and demand a full reinvestigation in accordance with federal law. 

The fraudulent accounts currently being reported include : A credit account with XXXX  opened XXXX XX/XX/XXXX, with a balance of {$1200.00} A credit account with XXXX XXXX opened on XX/XX/XXXX, with a balance of {$1000.00} A credit account with XXXXXXXX XXXX XXXXXXXX opened XXXX XX/XX/XXXX, with a balance of {$920.00} A retail credit account with XXXX opened on XX/XX/XXXX, with a balance of {$0.00} A revolving account with XXXX opened on XX/XX/XXXX, XXXX a balance of {$610.00} A credit account with XXXX Bank opened on XX/XX/XXXX XXXX XXXX a balance of {$7800.00} A credit account with XXXX XXXXXXXX XXXX opened on XX/XX/XXXX XXXX XXXX a balance of {$8100.00} A credit card account with XXXX XXXX Card opened on XX/XX/XXXX XXXX XXXX a balance of {$1400.00} A second credit card account with XXXX XXXX Card opened on XX/XX/XXXX XXXX XXXX a balance of {$9000.00} A loan account with XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX XXXX XXXX XXXX balance of {$0.00} Pursuant to FCRA Section 611, I demand that Experian provide complete reinvestigation details, including the method of verification used and physical documentation proving the legitimacy of these accounts. Without such evidence, these items constitute XXXX XXXX fraudulent reporting and must be removed.

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