vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ; XXXX TransUnion LLC Consumer Dispute Center TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Equifax Information Services , LLC XXXX XXXX XXXX XXXX, GA XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX Re XXXX Removal of XXXX account and removal of negative comments ( i.e. collections ) from TransUnion, Experian, & Equifax credit report. 

In XX/XX/XXXXXX/XX/XXXX, I contacted XXXX to remove my account from their system & contact : Transunion, Experian, and Equifax requesting my credit file be deleted from their system. According to XXXX, they can not locate my account. Additionally, I closed this account in XXXX. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), requires credit bureaus to delete any account/credit report from their system that is 7 years and older. Additionally, the consumers credit score must be adjusted accordingly reflecting the removal of any accounts with negative information/comments. Furthermore, any information that cant be confirmed between the reporting company and the credit bureau must be deleted from the consumers credit report. 

Based on the account being closed for 7 years, XXXX has no records of my account that cant be confirmed with any credit bureau ( i.e. TransUnion, Experian, & Equifax ) and in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), I request the immediate removal of this Verizon account from your system, remove any negative comments associated with this account from your system, and adjust my credit score ( i.e. increase my credit score ) accordingly that reflects the removal of the XXXX account. 

see attached documents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ; XXXX TransUnion LLC Consumer Dispute Center TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Equifax Information Services , LLC XXXX XXXX XXXX XXXX, GA XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX Re XXXX Removal of XXXX account and removal of negative comments ( i.e. collections ) from TransUnion, Experian, & Equifax credit report. 

In XX/XX/XXXXXX/XX/XXXX, I contacted XXXX to remove my account from their system & contact : Transunion, Experian, and Equifax requesting my credit file be deleted from their system. According to XXXX, they can not locate my account. Additionally, I closed this account in XXXX. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), requires credit bureaus to delete any account/credit report from their system that is 7 years and older. Additionally, the consumers credit score must be adjusted accordingly reflecting the removal of any accounts with negative information/comments. Furthermore, any information that cant be confirmed between the reporting company and the credit bureau must be deleted from the consumers credit report. 

Based on the account being closed for 7 years, XXXX has no records of my account that cant be confirmed with any credit bureau ( i.e. TransUnion, Experian, & Equifax ) and in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), I request the immediate removal of this Verizon account from your system, remove any negative comments associated with this account from your system, and adjust my credit score ( i.e. increase my credit score ) accordingly that reflects the removal of the XXXX account. 

see attached documents

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
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 2025-02-13 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: MD

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear CFPB, I am writing to request the late payment stated on my credit report. I was never late in DEPT OF EDXXXX. Experian reported late payment while in TransUnion and Equifax it's positive account and no late payment remark. Also XXXX XXXX I was never late on this account. Lastly this is not mine account XXXX XXXX. Please investigate and delete to my account.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
WFBNA CARD-Wells Fargo XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Re : Removal of Wells Fargo Credit Card Account ( XXXX ) and removal of negative comments ( i.e. collections ) from XXXX, XXXX, & XXXX credit report. 

In XX/XX/XXXX, I contacted Wells Fargo to remove my account from their system & contact : XXXX, XXXX, and XXXX requesting my credit file be deleted from their system. According to Wells Fargo, they can not locate my account. Additionally, I this account has been closed since XXXX. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq., 15 U.S.C. XXXXi ( a ) ( XXXX ) ( A ), requires credit bureaus to delete any account/credit report from their system that is XXXX years and older. Additionally, the consumers credit score must be adjusted accordingly reflecting the removal of any accounts with negative information/comments. 

Furthermore, any information that cant be confirmed between the reporting company and the credit bureau must be deleted from the consumers credit report. 
On XX/XX/XXXX, XXXX deleted and removed Wells Fargo Card Services ( i.e. item ) from my credit report. 

I ask that your company follow suit as XXXX has done by deleting and removing Wells Fargo Card Services from my credit report and/or your database. ( see attached exhibit A ) See attached documents

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: SC

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts : XXXX XXXX XXXX : Account number : XXXX. 
XXXX : Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

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 2025-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Danco Financial Services, LLC
State: LA

Complaint narrative:
On XX/XX/year> I contacted XXXX XXXX phone number XXXX ext XXXX at Danco Financial in regarded to an inaccuracy on my credit report. Danco Financial charged off the debt but they are reporting to XXXX that the debt is open. I provided these details to XXXX XXXX at email address XXXX. Please conduct an investigation to ensure that this creditor Danco Financial are following FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I was affected by XXXX XXXX ( which was declared a natural disaster for my area ) on XX/XX/XXXX. XXXX. I requested assistance from my mortgage company, Truist, on XX/XX/XXXX. They explained the forbearance option and I answered a serious of questions with the representative on the phone. I was then told that I would be entered into the forbearance and would not have a payment due until XX/XX/XXXX. 

In XXXX of XXXX, I received a phone call from the collections department at Truist, asking for a payment. I explained that I was in a forbearance and my payment was not supposed to be due until XX/XX/XXXX. The representative reviewed my account and said that it does not show that the account was in forbearance but that he would fix the issue and mail me a packet of paperwork that I would need to sign to agree to the forbearance. I asked specifically if this was going to hinder my credit score to which I was told " No, I will have this rectified and it will not effect your score. '' In XXXX of XXXX, I received a notification from XXXX that my XXXX XXXX had dropped XXXX points due to a 90 day late payment being reported. I called Truist immediately to ask why and filed a dispute on XX/XX/XXXX. The representative told me it was an error in their system and that's why it did not report for XXXX or XXXX but reported late for XXXX She explained that there would be no issues fixing the report. 

I am in the process of trying to make a large purchase for my business and this is hindering that EXTREMELY. I've also had 4 credit card companies send me notification that they have lowered my credit limits ( by thousands ) because of serious delinquency being reported and one company actually closed my {$12000.00} account completely. This seems completely unfair as I have absolutely no control over this matter and it was a mistake on the mortgage company 's side.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My personal information that is linked under Experian is not correct. This is not my telephone number nor my email address. Nor has this ever been my information. Ive been trying to contact Experian by phone for the last XXXX XXXX XXXX months I keep getting a recording and the recording will tell me that theyre unable to help me because they can not connect me to a live representative and then disconnect. I looked for an email address and I also tried to send this in a letter via US mail. I would like for this information to be deleted because this is not my information once again. This is not my telephone number, nor is this my email address. I tried to update myself however since it does not belong to me, I can not make any changes. When I click on change the email address then it sends a text message to the phone number. Or when I click on Change telephone number it will send an email or code to that email and neither one belongs to me. I tried to reach out to the email address carrier And apparently thats a site that people use for spam.

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 2025-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: WV

Complaint narrative:
On XX/XX/XXXX I contacted credit karma because I couldn't access my account or the money in my account, this has been. A very long drawn out ordeal I have contacted them every day since I've done a ID verification twice at both times it told me my ID verification was completed and approved. I've still contacted them every day and every day was told something different but also told I had to wait for a email but no time fram could be given. XX/XX/XXXX i received email giving me directions to change number and told if it didn't work he would help, I emailed back because it didn't work no response for days on XX/XX/XXXX I receive email saying he contacted the specialist team to change my number it's now XX/XX/XXXX and I still can't access my much needed money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below.

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please dont respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it.

If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing this item removed. 

I demand the following account be properly verified or removed immediately. 


Name of Account 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