vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 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:
Dear Sir/Madam, I am writing to formally lodge a complaint against the three major credit reporting agenciesEquifax, Experian, and TransUnionfor their failure to maintain accurate and fair credit reports as mandated by the Fair Credit Reporting Act ( FCRA ). Specifically, my concerns are as follows : 1. Reinsertion of a Fraudulent Account : A previously disputed and removed fraudulent account has been reinserted into my credit report without the required notification.

2. Misclassification of a Checking Account : A checking account from another institution has been inaccurately listed as a credit account, erroneously reflecting a late payment.

Details of the Accounts in Question : 1. Fraudulent Account : Creditor Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Amount : XXXX Issue : This account was fraudulently opened in my name and was previously removed from my credit report following an identity theft dispute. Its reinsertion occurred without the mandatory notification. 
XXXX. Misclassified Checking Account : Bank Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Issue : This is a checking account inaccurately reported as a credit account with a late payment, adversely affecting my credit score. 
Violations of Consumer Protection Laws : The actions of Equifax, Experian, and TransUnion constitute violations of several provisions of the FCRA : 1. Failure to Notify of Reinsertion : Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if a previously deleted item is reinserted into a consumer 's credit file, the consumer reporting agency must notify the consumer within five business days. I did not receive any such notification regarding the reinsertion of the fraudulent account.

2. Inaccurate Reporting of Account Information : Per 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. Misclassifying a checking account as a credit account with a late payment demonstrates a failure to adhere to this standard. 
XXXX. Failure to Block Information Resulting from Identity Theft : According to 15 U.S.C. 1681c-2 ( a ), consumer reporting agencies must block the reporting of information that resulted from identity theft within four business days of receiving proof of identity theft. The reinsertion of the fraudulent account indicates non-compliance with this requirement.

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 2025-04-04 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
I am making a compliant against chexsystems regarding dispute comments on account XXXX  XXXX XXXX, I request that the dispute comments be removed off my consumer report because I no longer am dispute with chexsystems and the investigation is already finished. When an investigation is finished or if I no longer wish to dispute the dispute comments must be removed if I request.

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 2025-04-04 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: PA

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 2025-04-04 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 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 non-monetary relief
Consumer complaint received 2025-04-04 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
requesting a review and correction of the information reported on my credit file regarding my account with Credit Acceptance Corporation reflects multiple late payments and a repossession, As Of Today The Account Is Paid Off In FULL I experienced a series of devastating personal hardships. My vehicle suffered serious mechanical issues, including engine failure and leaks, which directly impacted my ability to work and manage my finances Despite my circumstances I continued to make payments after losing the car and is paid off in full with a XXXX balance Unfortunately, my credit report now reflects late payments and a repossession that are preventing me from purchasing a new vehicle, which I desperately need to stabilize my life. I respectfully ask for your consideration in removing or correcting the negative reporting, including the repossession and late payments. Given the good faith effort I made and the extraordinary hardship I endured. Also, looking at my credit report, Credit Acceptance Corporation inaccurately reported to my credit report which violates my consumer rights under FCRA consumer law 15 USC 166B

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 2025-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. Furthermore, my information such as name, address, social security number and telephone number was shared with 3rd parties without my consent. My information may have been compromised as a result of the creditor sharing without consent. The creditors have failed to provide adequate information regarding previous complaints and may have mishandled my disputes as they did not inform me of any processes or procedures that were utilized.

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

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 a personal credit card account. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
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 explanation
Consumer complaint received 2025-04-04 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, 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 2025-04-04 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: FL

Complaint narrative:
I am seeking assistance in reviewing accounts that are incorrectly reported as having late payments. My credit report shows late payment marks on specific accounts, which is inaccurate. These accounts should not have any late payment remarks. Please remove them and ensure the accounts are updated to a positive status as originally agreed.

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

Complaint narrative:
Id really appreciate it if you could quickly take off the fraudulent items from my credit report given the circumstances and fix any inaccuracies or fraud. This is the XXXX  time Im reaching out for your help. Ive attached documents from the relevant authorities that back up my claims.

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 2025-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX of XXXX, my credit card with Wells Fargo was fraudulently charged in for over {$700.00}. 
I called Wells Fargo to dispute the charge and they said they would investigate it while crediting my account. Someone called a few days later and asked me if I had the card in my possession and I said yes. A few days later I received a letter in the mail saying I am responsible for the charge. I was on the other side of the town where this charge occured and I explained everything to them. I asked for proof of charge and they sent me a print out just stating the amount charged- no signature, no real proof. 
I disputed it again, and I filed a police report. I sent the police report and they denied my dispute. I called again and disputed it again and same outcome. I had the police go in and check the camera footage and it was clearly NOT ME. I called again and explained it to them and yet again they denied it because I had the card on me. 
I called again now with the information from the police and I sent the report over AGAIN with the WANTED POSTER for the woman who used my card. YET AGAIN, I get another letter in the mail saying I am responsible for the charge. This is ridiculous that I have to go back and forth with my own credit card company fighting to prove that I did not authorize this charge.

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 2025-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
As of XX/XX/XXXX I have paid off over 20 % of the original value of my home. On this date 5/3rd bank indicated that XXXX was not allowing me to remove my mortgage insurance because of the disaster declarations from last years storms. 

I stated that this was not a valid reason per my XXXX  disclosure, and that XXXX doe not control XXXXTheir communication is terrible and they have refused multiple requests to speak to someone in the leadership in the mortgage department so that I can plead my case. 

I am being denied my right to remove my Private Mortgage Insurance under the Homeowner 's Protection Act of 1998. I believe this is a systematic issue in their organization. I am aware of them denying this request to someone else for the same reason. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
I rented a home from XXXX XXXXXXXX in XXXX of XXXX. My lease was up in XX/XX/XXXX. I sent a SECURITY DEPOSIT TOTALING TO {$3000.00} to the company the Guarantors. XXXX XXXXXXXX filed an eviction in XXXX of XXXX. MY LEASE ENDED XXXX OF XXXX. They sent an amount of {$4200.00} to the Guarantors for unpaid rent and damages. I moved out on XXXX XXXX. I was never sent a list of damages, and the damage hearing was CANCELLED. The case was DISMISSED AND XXXX BALANCE WAS OWED. The case was SEALED. I DO NOT OWE ANYTHING. ALL BALANCES AND LEDGERS WERE NEVER RECTIFIED AND THE DAMAGE HEARING WAS CANCELLED. the Guarantors sold the debt to NATIONAL CREDIT SYSTEM and another COMPANY WITH 2 different balances! THEY HAD A SECRUITY DEPOSIT of {$3000.00}! not a security BOND. ALL DOCUMENTS INCLUDING THE LEASE says SECURITY DEPOSIT. 
Page 5 section 6a STATES IT IS A SECURITY DEPOSIT. on the lease rental bond, it says SECURITY DEPOSIT of {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: NC

Complaint narrative:
spoke with XXXX with BMO. Customer Service department. will not provide any m more details about who she is for further discussion. called BMO XX/XX/XXXX at XX/XX/XXXX. I asked why they closed my account without warning causing my credit rating to drop XXXX points. She said that they have right to close for no reason at any time. She said they sent letter but I did not receive a letter with a warning. 

They closed the account on XX/XX/XXXX as per XXXX. I continue to receive marketing emails from them as recently as XX/XX/XXXX, so I had no idea the account was closed. I found out by calling XXXX. XXXX would not disclose how often this situation occurs which leads me to believe its enough where she was familiar with it. 

They would not offer to reopen the account to repair the drop in credit rating, so I have no recourse with them to rectify. I has a XXXX balance and made all previous payments for balances with them with no late payments. Closed to inactivity. Closed the account anyway. 

As of XX/XX/XXXX, I am still able to log into the account and it is not shown as being closed. There are no notifications in the inbox warning me of account closure despite what XXXX told me. BMO harmed my credit rating without any way for me to avoid it nor provide any way to correct it.

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 2025-04-04 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 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 explanation