vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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: PA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related regulations. The account in question, originally from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, with an alleged balance of {$470.00}, and is being reported to Equifax, TransUnion, and Experian.

FCRA Violations : Inaccurate and Inconsistent Reporting : This account is reported differently across the credit bureaus. For example, the status is blank on Equifax, yet listed as a collection on TransUnion and Experian. This violates FCRA 623 ( a ) ( 1 ) ( A ), which mandates that furnishers must report accurate and consistent information.

Failure to Mark as Disputed : I have disputed this account ; however, the Account in Dispute by Consumer notation is not reflected uniformly across all credit bureaus, violating FCRA 623 ( a ) ( 3 ).

No Verification of Debt : Under FCRA 611 and FDCPA 809, XXXX XXXX XXXX must provide verification of the debt upon request and can not continue reporting it without such verification. I have received no documentation proving their legal right to collect or report this debt. 
FDCPA Violations : XXXX XXXX  has failed to validate this debt and continues to report it, in direct violation of 15 U.S.C. 1692g ( b ).

As a debt buyer, they must provide : Proof of ownership of the debt.

A full itemization and original agreement.

A complete chain of assignment from the original creditor.

As it stands, this account is being inaccurately, inconsistently, and unlawfully reported across my credit profiles. I am requesting the immediate deletion of this account from Equifax, TransUnion, and Experian for failure to comply with consumer protection laws. 

I am also requesting an investigation into XXXX XXXXXXXX XXXX reporting practices as a whole, given their pattern of violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: PA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related regulations. The account in question, originally from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, with an alleged balance of {$470.00}, and is being reported to Equifax, TransUnion, and Experian.

FCRA Violations : Inaccurate and Inconsistent Reporting : This account is reported differently across the credit bureaus. For example, the status is blank on Equifax, yet listed as a collection on TransUnion and Experian. This violates FCRA 623 ( a ) ( 1 ) ( A ), which mandates that furnishers must report accurate and consistent information.

Failure to Mark as Disputed : I have disputed this account ; however, the Account in Dispute by Consumer notation is not reflected uniformly across all credit bureaus, violating FCRA 623 ( a ) ( 3 ).

No Verification of Debt : Under FCRA 611 and FDCPA 809, XXXX XXXX XXXX must provide verification of the debt upon request and can not continue reporting it without such verification. I have received no documentation proving their legal right to collect or report this debt. 
FDCPA Violations : XXXX XXXX  has failed to validate this debt and continues to report it, in direct violation of 15 U.S.C. 1692g ( b ).

As a debt buyer, they must provide : Proof of ownership of the debt.

A full itemization and original agreement.

A complete chain of assignment from the original creditor.

As it stands, this account is being inaccurately, inconsistently, and unlawfully reported across my credit profiles. I am requesting the immediate deletion of this account from Equifax, TransUnion, and Experian for failure to comply with consumer protection laws. 

I am also requesting an investigation into XXXX XXXXXXXX XXXX reporting practices as a whole, given their pattern of violations.

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 2025-04-08 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: PA

Complaint narrative:
A month prior, I lodged a complaint with these Bureaus ; however, the erroneous information on my report remains unchanged. I have not received any communication from them, apart from your notice indicating that the company has responded to my complaint. How can I be assured that they have thoroughly examined the inaccuracies? What measures were implemented to validate the accounts? This entire situation is exceedingly frustrating, particularly given that more than 30 days have elapsed since I submitted my complaint.

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 2025-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
{$150.00} was sent out of my account through XXXX to a number I dont recognize. I made a claim with my bank, Wells Fargo, and the told me to secure my account, change my card, and change my bank account number, then check back for the status. When I called, they told me the claim was denied since the claim was valid and authorized.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hi freinds, these comapnies here have bombarded me with HARD Inquiries on my personl credit report, and they are showing like i asked them for a credit pull..

and i NEVER DID THIS, this is outraegeous, can you guys/ folks/ professionals please help me in getting rid of these things please...

this is absurd i never ever have contacted this people no wonder why my credit score has dropped, someone is acting as me and utilizing my social, i repeat i never authroixed thisese compaines for nothing and they are reportingfradulemnt on my social, please help me kind folks.. 
they are in XXXX and XXXX wont help me unless i file a claim so here i am thanks CAPITAL ONE VIA DEALER XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
My credit was used unlawfully without my knowledge. I did not approve of the inquiries

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 2025-04-08 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 filed a dispute with Equifax concerning a potentially inaccurate account listed on my credit report. I gave them sufficient time to investigate the issue, as outlined in the Fair Credit Reporting Act ( FCRA ). However, I did not receive any formal acknowledgment, update, or conclusion to the investigation. The account in question remains on my report without any confirmation of its validity. This lack of response and failure to verify the accuracy of the information violates my rights under the FCRA. I am requesting CFPB 's help to hold Equifax accountable and ensure that proper procedures are followed moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: VA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
The original document shown below shows the vehicle contract is void due to illegal duplication of my signature ie the highlighted signature had the exact same time stamp down to the second on 2 very different contract lines one for extended warranty and the second binding me to the loan documents which are missing the vin and miles ie the other highlighted area. Then they altered the document again in 2024 adding the vin and miles to the void original loan after using the void document to pursue a judgement against me. Which is also attached showing they added the vin and miles. All these actions fall under fraudulent writings and altering a contract without consent.

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 2025-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, Tx XXXX XXXX XXXX XX/XX/XXXX Request for Removal of Charge-Off Older Than 7 Years To Whom It May Concern, I am writing to formally request the removal of a charge-off account from my credit report. According to the Fair Credit Reporting Act ( FCRA ), negative information such as charge-offs is to be removed from credit reports after seven years from the date of first delinquency. 
The account in question is : Creditor Name : XXXX  XXXX XXXX Account Number : XXXX Date of First Delinquency : XX/XX/XXXX As this charge-off has exceeded the seven-year reporting period, I respectfully request that it be deleted from my credit file. 
Please investigate this matter and remove the outdated information from my credit report. I appreciate your time and assistance, and I look forward to your confirmation that this matter has been resolved. 
Sincerely, 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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, Tx XXXX XXXX XXXX XX/XX/XXXX Request for Removal of Charge-Off Older Than 7 Years To Whom It May Concern, I am writing to formally request the removal of a charge-off account from my credit report. According to the Fair Credit Reporting Act ( FCRA ), negative information such as charge-offs is to be removed from credit reports after seven years from the date of first delinquency. 
The account in question is : Creditor Name : XXXX  XXXX XXXX Account Number : XXXX Date of First Delinquency : XX/XX/XXXX As this charge-off has exceeded the seven-year reporting period, I respectfully request that it be deleted from my credit file. 
Please investigate this matter and remove the outdated information from my credit report. I appreciate your time and assistance, and I look forward to your confirmation that this matter has been resolved. 
Sincerely, 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 2025-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Applied for Amex blue preferred card instead Amex lowered existing credit on a current credit card and used the remainder on a new credit card That is not what I applied for or requested I asked multiple times via phone for a manager was refused I asked for USA representatives with great difficulty Hard inquiry preformed for card transactions I did not consent too, I never consented to anything Amex did XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: NY

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 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 2025-04-08 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: NY

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 2025-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing the reporting of my student loan data by XXXX XXXX. The loan in question has been reported to the credit bureaus, but I did not give XXXX permission to share or report this information. I believe this may be a violation of the Family Educational Rights and Privacy Act ( FERPA ), which protects my educational records from being disclosed without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing the reporting of my student loan data by XXXX XXXX. The loan in question has been reported to the credit bureaus, but I did not give XXXX permission to share or report this information. I believe this may be a violation of the Family Educational Rights and Privacy Act ( FERPA ), which protects my educational records from being disclosed without my consent.

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 2025-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2025-04-08 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 








XXXX XXXX XXXX Account Number : 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 2025-04-08 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 disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-08 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: WI

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 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