vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
XXXX account number XXXX with XXXX XXXX XXXX original creditor XXXX XXXX. I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " certified mail '' with receipt displaying my signature. If not, please delete account # XXXX from my report as soon as possible. Otherwise, I will be forced to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: GA

Complaint narrative:
On XX/XX/year> I purchased a vehicle it was sold to me without a current emissions in the state of Georgia it is illegal to sale a vehicle without a current emissions. The vehicle report should had been sent to the financial lender. The lender should have before financing the vehicle abided by the States laws some states have a lemon law that protects the customers which falls under consumer law. When reaching out to the financial lender to discuss this matter I was forwarded to a automated system and was unable to file a dispute and hardship to resolve the matter. It is to my belief that I'm am being targeted by a strong entity and they have concluded against to deliberately slander my credit and character by forcing a swindling contract that is against the LAW. This lender has reported inaccurate information on my credit report when all payments have been paid by the due date. This has caused my credit report to decline this has caused hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have been working on my credit. I have had multiple accounts removed with my credit score only increasing by little or no points at all. This is very frustrating and upsetting when they are dropping my score tremendously when the smallest thing affects it. I have contacted the credit bureau with no results

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Whom It May Concern, I am writing to formally dispute two late payments that appear on my consumer credit report associated with the following account : Account Name : XXXXXXXX XXXX OPEN DATE XX/XX/year> Upon reviewing my credit file, I noticed these reported late payments ; however, I can confirm that I have never made a late payment on this account. I have consistently paid this account on time and have records to verify my payment history. As outlined under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies and data furnishers are required to ensure that all information reported is accurate and complete. I am requesting a thorough investigation into this matter and that you provide documented proofsuch as billing statements or payment recordsshowing that I was indeed late on the reported dates. If you are unable to substantiate the claim with sufficient evidence, I respectfully demand that these incorrect late payments be removed or updated to reflect an on-time payment status immediately, as accuracy in consumer reporting is not only your responsibility but a legal obligation. Please confirm in writing that you have received this dispute and provide the results of your investigation within 30 days as required by the FCRA. Thank you for your attention to this matter. I look forward to your prompt resolution. 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 2025-05-11 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: CL Holdings LLC
State: LA

Complaint narrative:
On XXXX, XXXX, I sent a notice to Jefferson Capital System a conditional offer of acceptance to settle an obligation upon Jefferson Capital System providing proof of ownership, assignments, and agreement with my signature obligating me to owe any debt to Jefferson Capital System. It has been over 30 days and Jefferson Capital System has continued collection efforts without providing requested documentation and violating 1692 ( g ) b. I have attached the notice that was sent to Jefferson Capital System

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: MO

Complaint narrative:
Experian, Equifax, and Transunion did not properly investigate accounts that I disputed with them. They are all in violation of codes : 15USC1681IA1, 15USC1681IA6B3, 15USC1681IA5B, 15USC1666B, and 15USC6802

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year> XXXX XXXX XXXX XXXX filed a complaint against Wells Fargo bank with the CFPB complaint number XXXX. After reading Wells Fargos response to the complaint as well as what they explained needs to be done. I feel that Wells Fargo is pushing their responsibility back to my banking institutions feet and diverting their responsibility completely. Wells Fargo is asking me to have my bank file a complaint with Wells Fargos fraud department against. 
XXXX XXXX XXXX XXXX XXXX which is the XXXX company that I sent {$23000.00} to that took my money and laundered it and stole it from me. They have an account with Wells Fargo not with my bank XXXX XXXX XXXX XXXX XXXX however I spoke to my bank on Friday XX/XX/year> and they stated that they have sent multiple requests to Wells Fargo requesting my money be returned to me. The representative from my bank fraud department explained to me that Wells Fargo does not accept emails that everything through their fraud department has to be mailed. My bank has done their due diligence and trying to reach out to Wells Fargo with no success. Again, Wells Fargo is doing their best to avoid this problem and trying to push it back on my bank. After I made my first complaint regarding the situation to CFPB I received a phone call from XXXX XXXX XXXX an escalations representative at enterprise complaints management for Wells Fargo XXXX Bank. She also stated that my bank would need to request Wells Fargo to investigate the XXXX company where I sent my cashiers check to. I explained to her that they have been doing that she said that she would check into it and get back to me which she did and she explained that they have no record of my bank ever requesting my funds, be returned to me the reason for that is my bank has only been able to send letters through the XXXX Postal Service not through an email as there is no email available to do so at Wells Fargo. I am demanding that Wells Fargo stop playing these games and work with my bank XXXX XXXX XXXX XXXX XXXX to retrieve and recover my stolen funds. My bank has done all that they can do and Wells Fargo is diverting and ignoring this issue, which is completely unacceptable. Im hoping by filing yet. Another complaint that Wells Fargo will see the seriousness of this situation and recover and return my money that was stolen from me from a fake XXXX company that has the account with Wells Fargo. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Account number XXXX Routing number XXXX Wells Fargo XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
I am filing this complaint against Goldman Sachs Bank USA, the issuing bank for the Apple Card, for failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically 611 ( a ) ( 7 ) [ 15 U.S.C. 1681i ( a ) ( 7 ) ]. This complaint concerns an account reported under Account # XXXX, which appears on my credit report. 

I formally disputed the accuracy and completeness of this account and submitted a written request to Goldman Sachs for a description of the method of verification used to confirm the validity of the reported information. Despite this request, the company has failed to provide a response or documentation, in direct violation of FCRA requirements. 

Additionally, in line with the FTC opinion letter by Attorney XXXX XXXX XXXX, I reminded Goldman Sachs that a printout of a bill or itemized document is not sufficient verification under the law. I formally requested : A copy of any documentation proving I have a legally binding contractual obligation to repay the alleged debt ; Records showing how my signature or authorization was generated or executed. 
To date, no such documentation has been provided. This failure to verify while continuing to furnish the disputed item to credit reporting agencies is harmful, deceptive, and unlawful. 

This complaint is a final goodwill effort to resolve the matter before seeking other remedies. The account in question is inaccurate, incomplete, and materially damaging to my credit profile. The continued furnishing of unverified information violates my rights as a consumer under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no XXXX party involved. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am formally requesting the following accounts as listed in my credit report, pursuant so Section 609 of the Fair Credit Reporting Act ( 15 U.S. Code 1681g ). These fraudulent inquiries are affecting my ability to obtain credit. I need them cease and desist/removed immediately. 

EMAIL ADDRESS XXXX PHONE # XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXX DRIVER LIC # XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX NAME XXXX XXXX * ALL INQUIRIES * REPORTED XX/XX/XXXX XXXX am XXXX BANKING XXXX XXXX # XXXXXXXX XXXX XXXX ACCT ENDING # XXXX REPORTED TRACKING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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 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 2025-05-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC
State: TN

Complaint narrative:
Move-out date was XX/XX/XXXX or XXXX. On XX/XX/XXXX a move-out statement was sent to each resident ; amount owed was {$2000.00}. We had complaints about the amount owed and I reached out by phone the same day. I was told there would be a discussion with management, but I never received a response. 

That was the last communication I had with the landlord agency. No communication has since been received from landlord by me or by my former roommates. 

Around XX/XX/XXXX, XXXX  months after last contact, a collection was added to my credit report. Information provided by XXXX XXXX states the account was opened XX/XX/XXXX ; yet nothing has ever been received by me or my previous roommates about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: LA

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 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My payment was made on time I paid off the loan on the XXXX. It reflects that on my credit report however Navy Federal out that I was 30 days late. Its only on my XXXX credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX Experian, and XXXX data breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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 explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NY

Complaint narrative:
The family educational rights and privacy act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation