vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: CA

Complaint narrative:
Dear SELF FINANCIAL/LEAD BANK I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This matter concerns a dispute regarding a collection account reported on my Experian credit report by XXXX XXXX XXXX. I contend that Experian has failed to properly investigate my dispute concerning this account. Notably, XXXX, another major credit reporting agency, has already removed this collection account from my credit report following a thorough investigation. It is important to recognize that credit reporting agencies, including Experian, XXXX, and XXXX, typically receive the same information from data furnishers such as XXXX XXXX XXXX. 

XXXX XXXX XXXX is falsely reporting late payments on the collection account, thereby falsifying the date of last activity. This manipulation prevents the account from aging off my credit report within the statutory timeframe, artificially prolonging its negative impact on my credit score. This practice constitutes a violation of the Fair Credit Reporting Act ( FCRA ) by disseminating inaccurate and misleading information. Furthermore, this conduct directly contravenes 15 U.S.C. 1681s-2 ( b ) of the FCRA, which mandates that furnishers of credit information, such as XXXX XXXX XXXX, employ reasonable procedures to ensure the accuracy of the information they provide to credit bureaus. 

The Consumer Financial Protection Bureau ( CFPB ) is currently pursuing legal action against Experian for various violations of consumer financial laws, including the FCRA. This ongoing litigation underscores a pattern of disregard for consumer rights and the critical importance of accurate credit 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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The address listed on my TransUnion credit report is inaccurate I never stayed at XXXX XXXX XXXX XXXX XXXX California, I never stayed at 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 2025-01-12 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: PA

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 2025-01-12 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: CA

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. 


Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX FIN XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OZK
State: GA

Complaint narrative:
On XX/XX/XXXX {$500.00} was taken from my bank account using XXXX. No request was made by me through my bank- which is how I use XXXX to transfer money. The bank ( Bank OZK ) checked my transaction history to see if the transfer was initiated by me and there was no record of the transfer. They contacted XXXX to no avail and issued an incident report. It is now the XXXX of the month, and I have not been made whole or given any portion of my money back. No explanation of why or how this transaction was made or how I would be refunded my money. It appears to be fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: MO

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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 information was exposed in a data breach therefore nothing on my credit report is accurate. 
Where do I begin. I mean if I dont recognize anything on there, how am I supposed to deal with that? If its either not mine or isnt even real.

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 2025-01-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TX

Complaint narrative:
Towards the end of my lease of XX/XX/year> at XXXX XXXX XXXX XXXX XXXX an unfair disposition fee was made by landlord/property manager in the amount of {$1700.00}. After consulting with XXXX, XXXX XXXX XXXX by e-mail along with property manager an agreement was made to add the deposit towards disposition fee reducing the amount to {$420.00}. this information is saved and documented by e-mail. there is a collection reported on my account in the ammount of {$1800.00}. i am looking to get this collection removed do to inaccurate information with the amount being incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Submitted inquiry XX/XX/year> XXXX they stated it was verified and updated as such results were not sent upon request only stated verified complaint was also filed here and again significantly later than the allowed time Id like this 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
Consumer complaint received 2025-01-12 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: T.S. Holdings
State: TX

Complaint narrative:
XXXX XXXX XXXX claims I owe them over XXXX $ but they have not certified any information or provided any data to me on what this debt is? I spoke to the company, and they could not clarify anything over the phone. I then mailed a certified letter requesting information on this debt and called again in XX/XX/2024. They never responded and stopped calling me, but could not prove anything about the debt. It, however, is still listed on my credit report. While I previously lived at XXXX XXXX, XXXX XXXX claims I owed money during my move out, and they bought " debt ''. I did not ever owe XXXX XXXX money, and our ledger was zeroed out upon moving.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want this XXXX XXXX  deleted from my account Reported on XXXX XXXX and on XX/XX/year> I have Credit inquiries on my report that I don't recognize, and shared without consent, I have credit inquiries from unknown sources that I do not know about and did not authorize.

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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to address a matter of utmost importance regarding a recent report I obtained from a reporting agency. Upon reviewing the report, I discovered several severe errors that must be rectified immediately. 
Firstly, as a consumer reporting agency pursuant to 603 ( F ) of the Fair Credit Reporting Act, Experian is mandated by federal law to possess physical copies in their file of the original application or documentation supporting each reported account. This is a crucial aspect that can not be overlooked.

Secondly, in compliance with Section 609 of the Fair Credit Reporting Act, I, as the consumer, hereby respectfully demanded and requested to be furnished with copies of all applications, contracts, documents, and information contained within the consumer credit file in order to determine verification the accuracy of each account being reported, pursuant to Section 609 ( C ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), a certification must be provided along with the disclosure for inspection and examination of the referenced account.

In accordance with Section 609 ( c ) ( 2 ) ( E ) of the Fair Credit Reporting Act ( FCRA ), I am formally requested the removal of the disputed and unverified information listed in my report. If they were not able to verify the information, I demanded that it be promptly deleted or removed pending further investigation. 

I XXXX, XXXX, consumer hereby challenged the following accounts as unverified and demanded they be deleted and I be furnished with proof of proper verification : Dispute XXXX. 
XXXX. NOT MINE - XXXX XXXX XXXX, account ending in XXXX, amount {$2000.00} Date Opened XX/XX/XXXX, Date Reported XX/XX/XXXX, Date of first Delinquency XX/XX/XXXX. 
Dispute XXXX. 
XXXX. NOT MINE - XXXX XXXXXXXX, account ending XXXX, amount {$450.00}, Date Opened XX/XX/XXXX, Date Reported, XX/XX/XXXX, Date of first Delinquency XX/XX/XXXX. 
Dispute XXXX XXXX. NOT MINE - XXXXXXXX XXXX XXXX, account ending XXXX, Dispute XXXX. 
XXXX. NOT MINE -XXXX  XXXX account ending in XXXX, balance {$390.00} Date Opened XX/XX/XXXX, Date Reported XX/XX/XXXX, Date of First Delinquency XX/XX/XXXX. 
Dispute XXXX. 
XXXX. NOT MINE XXXX XXXX XXXX  Inquiry date XX/XX/XXXX, Removal Date XX/XX/XXXX I need them removed off my account until the furnish original copies of the application and documentation. 

Thank your

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 2025-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Upon receiving a Wells Fargo Visa card with an introductory benefit of 0 % APR and no fees for the first year, I also received checks for use with the card. Before depositing one of these checks, I called Wells Fargo to confirm that no fees would apply. I was explicitly told that no fees would be assessed as long as the transaction occurred before the promotional period ended in XX/XX/year>. Based on this assurance, I deposited one check into my Wells Fargo account. This call was recorded. 
To my surprise, I was later charged a {$600.00} fee, which I was informed was categorized as a balance transfer fee. When I contacted customer service, I was given conflicting information : one representative reiterated that no fees should apply during the promotional period, while another claimed that the fee was valid for balance transfers.

Wells Fargo has wrongfully attributed a {$600.00} debt to my account, which stems directly from intentional misrepresentation by one of their employees. I was provided incorrect and misleading information, which appears to be part of a larger pattern of deceptive business practices targeting vulnerable customers. These practices prey upon individuals with limited financial means, forcing them into untenable positions, often culminating in class-action lawsuits. 
The terms and conditions communicated on the card and check I received are deliberately ambiguous, written in such a way as to mislead and confuse customers. Wells Fargo has engaged in these fraudulent activities for years without meaningful accountability. 
In my specific case, despite promptly returning the disputed funds to the same Wells Fargo account within 24hours, the bank continues to charge me, effectively recycling the funds while profiting from those already facing financial hardship. These actions are not only unjust but also raise significant ethical and legal concerns regarding how Wells Fargo operates and derives profit at the expense of its customers. 
It is unconscionable for a financial institution of Wells Fargo 's stature to extract {$600.00} within days from a struggling individual, particularly when the funds were already returned. This situation reflects a broader systematic abuse of power that requires urgent regulatory intervention. 
I request immediate action to investigate and resolve this matter, including removing the erroneous charge and providing a detailed explanation for the handling of my case. 
Sincerely,

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 2025-01-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This matter concerns a dispute regarding a collection account reported on my XXXX credit report by XXXX XXXX XXXX. I contend that XXXX has failed to properly investigate my dispute concerning this account. Notably, XXXX, another major credit reporting agency, has already removed this collection account from my credit report following a thorough investigation. It is important to recognize that credit reporting agencies, including XXXX, XXXX, and Equifax, typically receive the same information from data furnishers such as XXXX XXXX XXXX. 

XXXX XXXX XXXX is falsely reporting late payments on the collection account, thereby falsifying the date of last activity. This manipulation prevents the account from aging off my credit report within the statutory timeframe, artificially prolonging its negative impact on my credit score. This practice constitutes a violation of the Fair Credit Reporting Act ( FCRA ) by disseminating inaccurate and misleading information. Furthermore, this conduct directly contravenes 15 U.S.C. 1681s-2 ( b ) of the FCRA, which mandates that furnishers of credit information, such as XXXX XXXX XXXX, employ reasonable procedures to ensure the accuracy of the information they provide to credit bureaus. 

The Consumer Financial Protection Bureau ( CFPB ) is currently pursuing legal action against XXXX for various violations of consumer financial laws, including the FCRA. This ongoing litigation underscores a pattern of disregard for consumer rights and the critical importance of accurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear CFPB Representative, I am writing to formally submit a complaint regarding inquiries reporting on all XXXX credit reports. Which is, " a violation of my rights under the Fair Credit Reporting Act ( FCRA ) '' ]. The actions of Experian, XXXX and XXXX caused me significant harm and appear to be in direct violation of federal consumer protection laws. 


On XXXX, I discovered several unauthorized inquiries, such as errors on a credit report. 
I contacted Experian, XXXX and XXXX ] on XXXX to resolve this matter but have not received a satisfactory response. 


The action of Experian, XXXX and XXXX appear to violate the following provisions of federal law Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : [ If applicable, cite specific violations, such as failure to investigate a dispute within 30 days ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), failure to ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ), etc. ].

2. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 : [ If applicable, cite specific violations, such as harassment, use of false or misleading representations, etc. ]. 3. Other relevant federal or state laws, if applicable. 

Attempts to Resolve : I have made reasonable efforts to resolve this issue directly with Experian, XXXX and XXXX. 



: I respectfully request that the CFPB take action to investigate this matter and ensure compliance with applicable consumer protection laws.

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