vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Landmark Strategy Group, LLC
State: FL

Complaint narrative:
Thursday, XX/XX/year> From : XXXX XXXX XXXX : XXXX To : XXXX XXXX XXXX Regarding : Unauthorized Collection Attempt Reference # : XXXX Original Creditor : XXXX Current Creditor : XXXX XXXX XXXX XXXX XXXX  Acct # : XXXX Balance Claimed : {$1200.00} LEGAL NOTICE & DEMAND FOR IMMEDIATE ACCOUNT CANCELLATION, DELETION FROM CREDIT REPORTS, AND NON-TRANSFER ORDER To Whom It May Concern, This letter serves as a formal legal demand and notice of violations under federal and state consumer protection laws, including but not limited to : The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692 1692p The Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. 

Consumer Financial Protection Bureau ( CFPB ) regulations Truth in Lending Act ( TILA ) Federal Trade Commission Act ( FTC Act ) I, XXXX XXXX, formally dispute, challenge, and reject the alleged debt referenced above. I did not authorize any dispute, sale, assignment, transfer, or purchase of this debt at any time. I hereby assert that your collection activity and reporting are unauthorized and illegal. 

LEGAL GROUNDS FOR VIOLATION : FDCPA 807 ( 15 USC 1692e ) False or misleading representations : You are falsely representing the legal status of this debt, including its assignability and enforceability.

FDCPA 808 ( 15 USC 1692f ) Unfair practices : Attempting to collect a debt not properly validated and no longer legally enforceable.

FCRA 623 ( 15 USC 1681s-2 ) Responsibility of furnishers of information : You are furnishing inaccurate and outdated information to credit reporting agencies without a proper investigation.

FCRA 609 and 611 Right to dispute information and demand deletion : I formally dispute this account and demand its removal from all consumer reporting bureaus.

FDCPA 809 ( 15 USC 1692g ) Validation of debts : You have not provided sufficient validation of this debt as legally required. You are prohibited from further collection until such validation is provided.

TILA and FTC Act Deceptive or abusive financial practices : You are participating in deceptive trade practices by misrepresenting the nature and transfer of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: SC

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 2025-04-17 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-17 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX XX/XX/year> Subject : Request for Removal of Unauthorized Hard Inquiries To Whom It May Concern, I am writing as a concerned consumer regarding several recent hard inquiries that have appeared on my credit report. Upon careful review, I noticed multiple entries that I do not recognize and did not authorize. I am requesting a thorough review and removal of the following inquiries, which I believe were made without a permissible purpose under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX. 
Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> As outlined in the FCRA, a consumer reporting agency may only release a credit report if there is a valid and certified permissible purpose. In these cases, I have no record of any such authorized credit activity, applications, or business relationships with the companies listed above.

I respectfully request that these inquiries be removed from my credit report as they appear to be unauthorized and are negatively impacting my credit profile. Additionally, I request confirmation once the removals have been completed.

Please consider this letter as my formal dispute and request under FCRA 611 ( 15 U.S.C. 1681i ). I appreciate your attention to this matter and look forward to a prompt resolution within the timeframe provided under federal law. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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:
There are late payment remarks on my credit report that are entirely inaccurate and misleading. Many of these accounts show a {$0.00} balance and no past due amountso how can they be marked late? These notations are unfairly harming my score, despite my history of maintaining financial obligations. 

Under the FCRA, no account may be reported as delinquent unless it can be backed by verifiable proof, including original signed documentation. If no such proof exists, these remarks must be deleted immediately. Most of these items have already been corrected or removed by other major bureaus due to lack of verifiable evidence, raising concerns about why they remain. 

The following late payment items are disputed and must be thoroughly reverified or deleted immediately : Late Payment ( EQ ) XXXX XXXX XXXX XXXX : XXXX * * * * - Balance & Past Due : {$0.00} XXXX XXXX  XXXX - XXXX XXXX : XXXX * * * * - Balance & Past Due : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
This debt was paid off. Dates unknown because debt collector refuses debt validation. It was paid in full after a debt collection phone call. 

Several months later additional debt collection calls were made to me stating that there was additional interest and penalties on that interest. These penalties and interest has continue to grow and the company has refused to provide a statement of the account so that I can show where it was paid in full and the amount attempting to be collected is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Grant & Weber
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I'm aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies as required by federal law. 
Recently, the consumer financial protection bureau found a lawsuit against all credit Bureaus for his failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices as outlined by the CFPB include. 

Conducting inadequate investigations that fail to address consumer disputes properly. 

Reinserting previously Disputes and inaccurate information without explanation, failing to notify consumers about investigation results effectively. 

These allegations highlight systematic issues that directly undermine consumer protection and perpetuates the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mis handled in similar manner. Please. 
Review the inaccurate information being reported under the FCRA, you are required to conduct proper investigations. Accounts must be accurate on all credit reports reporting ACCURATELY. When reviewing my report there are many inaccuracies 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 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied to open an account with Bank of America ( checking account ) and it was declined due to what they state was information provided by XXXX XXXX XXXX. However, when contacting, they are unable to provide any information why it was declined and unable to assist. Pursuant to CFPB, this needs to be provided and neither Bank of America nor XXXX XXXX XXXX can provide this information. It's also very misleading, as I received a targeted email from Bank of America with pre-approved and receive {$300.00} if you open an account, and when you apply ( it's not pre-approved ) and this is a hard inquiry on my credit as well. Very misleading.

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 2025-04-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I am disputing two debts that were sent to collections by XXXX XXXX XXXX XXXX on behalf of PayPal. Both cases involve claims of non-delivery for custom digital creative services that were in fact completed and delivered.

In both instances, the disputes were closed in the buyers favor without a response from me, not because I failed to deliver, but because I was locked out of the email account where the client communications took place. That email was managed by a former business partner who took control of the account and ceased access. While I still had access to PayPal, I could not gather the required project documentation or correspondence in time to defend the case.

In both situations, the buyers did not contact my company to request revisions or support, even though a public support email remained active. This suggests dissatisfaction or remorse rather than non-delivery. PayPal closed the disputes in the buyers ' favor without requesting additional proof or investigating alternative evidence, despite the one-sided nature of the claims. PayPals policy of issuing refunds based solely on unverified buyer statements such as I did not receive the product or I was dissatisfied is flawed, particularly in transactions involving digital goods. These goods are not shipped to a physical address, and lack of physical shipment does not equate to non-delivery. Without requiring substantial evidence or allowing the seller to respond, PayPals actions enable unjust chargebacks and undermine fair business practices. 

These debts are now being pursued by collections, and I am contesting them on the grounds that : The services were completed and delivered. 
I was denied a fair opportunity to present evidence. 
The clients did not follow proper resolution channels. 
The claims appear to be based on dissatisfaction, not fraud or non-fulfillment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I have called multiple times over the course of 3 weeks to obtain a copy of the Letter of Satisfaction/Paid in Full letter from this company and they not only withheld the information but claimed to have sent both me and co-signed the letter via email and have not. I am not quite sure what to do as this inaccurate account status is negatively affecting my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
After 3 of more complaints to Wells Fargo XXXX  XXXX we are headed for court, after CFPB did not enforce anything, including allegation that Wells settle in class action lawsuit. I still can't get a complaint form to submit a claim. Wells lied, cheated, mislead,. denied and harassed me while I hold evidence of their belief in my having multiple loans, ( I don't ), denials for dubious reasons ( can't find property, can't find an appraiser, not able to provide a product they solicited me to apply for [ I think the courts removed them from that market while my application was being processed ], and other blemishes on credit report, misreporting amount of open credit for passed 3 years. CFPB did little to nothing, allowing WF to simply repeat itself and its unlawful actions and policies.... that the courts were simultaneously punishing the bank for!

Bogus multiple loans Denial of renewal of HELOC Misleading sales, or fraudulent sales tactics Unbelievable banking practices to hide, deny, and stonewall. NEVER use 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 2025-04-17 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: OH

Complaint narrative:
My personal information has been involved in the data breach, after checking my credit report I noticed that addresses were being reported where I never resided. I called the bureaus requesting that the inaccurate information be removed and followed up with letters certified mail. 

Failure to remove incorrect information being furnished to my profile is in violation of 15 USC 1681 C-2 and continuously reporting it after being deemed unverifiable and incorrect is in violation of 15 USC 1681EB

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 2025-04-17 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: OH

Complaint narrative:
My personal information has been involved in the data breach, after checking my credit report I noticed that addresses were being reported where I never resided. I called the bureaus requesting that the inaccurate information be removed and followed up with letters certified mail. 

Failure to remove incorrect information being furnished to my profile is in violation of 15 USC 1681 C-2 and continuously reporting it after being deemed unverifiable and incorrect is in violation of 15 USC 1681EB

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Affirm Holdings, Inc
State: IN

Complaint narrative:
I paid my husband 's account for Affirm in XXXX or XXXX and then he paid the following months. When he passed in XXXX, I called them to inform them of his passing and they transferred his bills to me. Now I have all kinds of messages stating that I owe that money! I did not purchase that, I do not think I should have to pay for his purchases. 
I have proven to Afform on many occasions that I did not purchase his leather from XXXX and that Affirm transferred all of his purchases over to me which they claim they never did!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Novo Platform Inc.
State: CA

Complaint narrative:
A business account was fraudulently created with my name and address by the name of XXXX XXXX XXXX. This was done to try to create bank accounts with this information. Most of them failed but today I got a postcard from Novo Platform Inc. saying they have created an account for me. I have tried calling and emailing them but they do not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: NJ

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 2025-04-17 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: NJ

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 2025-04-18 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: FL

Complaint narrative:
Im very frustrated to see an unauthorized inquiry suddenly appear on my credit report today. I always monitor my credit, and I didnt expect this kind of issue. I thought it might just be a technical glitch, but refreshing my browser didnt fix anything. I want this resolved right away, and Im asking for a thorough review of my submitted documents to ensure this doesnt continue to be a source of worry for me.

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