vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax has an internal block on my credit report since XXXX. I have not been able to access my credit only on myequifax.com. I was in a horrible car accident hit by a drunk driving and is in need of a car. And lenders can't pull my credit. Every time I call I speak with someone in a different country and they tell me something different to do and my situation is still not resolved. It is a nightmare. My address needs to be updated to XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX. I need the internal block removed so lenders can access my credit report. I have done everything they told me to do! Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Subject : Request for Removal of Reports Due to Data Breach in regards to Experian I am writing to formally request the removal of any negative reports or records on my credit report that may have resulted from the recent data breaches that occurred at XXXX and Experian. As per my legal rights and the impact of the breach, I am entitled to have any affected information removed from my credit report. The breach has compromised my personal data, and I believe any resulting negative information should be excluded in accordance with applicable laws. Please provide confirmation that these entries have been removed or let me know if further action is required on my part. Thank you for your prompt attention to this matter. 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 2025-04-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
On several dates, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I asked the company to forward me or provide me with any verifiable proof that the account belongs to me. I have stated that I do not acknowledge this account and of the belief that someone may have used my personal information to attempt to fraudulently open an account. I have asked the company to either provide proof of ownership or stop harassing me and falsely reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
They sold the car at auction and got insurance loss for the vehicle back in 2024 but putting on my credit that I owe XXXX when they got paid through they insurance for the loss of vehicle which was XXXXsold it at auction as well n putting on my credit when the vehicle was only worth XXXX then they tried to offer me a XXXX settlement on a vehicle thats been sold to auction remove from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Company Information Company : XXXX XXXX Issue Details Category : Credit reporting / Incorrect information on credit report What happened? 

XXXXXXXX XXXX  inaccurately reports my account across credit bureaus ( Experian/Equifax/Transunion ) in violation of the FCRA : 1. Conflicting Payment Dates : Last payment reported as XX/XX/XXXX ( Experian ) vs. XX/XX/XXXX ( Equifax ). 
2. Future-Dated Delinquencies : XXXX XXXX XXXX delinquencies and a XX/XX/XXXX charge-off are impossible as of [ current date ]. 
3. Charge-Off Timeline Errors : Charge-off date ( XX/XX/XXXX ) conflicts with 180-day delinquency timeline ( last payment XX/XX/XXXX ). 
4. Ignored Prior Dispute : Errors persist despite prior disputes to XXXX and credit bureaus. 

Desired Resolution - Remove all inaccuracies from credit reports. 
- Ensure XXXX complies with FCRA 1681s-2 ( b ) by correcting reporting. 

Supporting Documents - Credit reports Experian/Equifax/Transunion highlighting errors ) - Payment records ( XX/XX/XXXX ). 

Legal Basis Discovers reporting violates : - **FCRA 1681c** ( Accuracy ).

- **FCRA 1681i** ( Reinvestigation ).

- **CFPB UDAAP** ( Unfair practices ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
XX/XX/year> I received a wire for $ XXXX from XXXXXXXX XXXX XXXXXXXX XXXX. I ask why the wire was being held. They stated they needed to investigate the source of funding. They stated it would take 30 days. Today is XX/XX/year> and the funds still are not available for use. The company is PNC Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XX/XX/XXXX I just got off the phone with a representative for XXXX XXXX. 
Account # XXXX Account # XXXX They said it was in bankruptcy it is not being reported on credit report as such. In comments showed investigation has been completed and it is inaccurate. 15 USC 1692 ( c ) Report # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
This account is over XXXX XXXX XXXX i called the company and ask for information they wouldn't provide any.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Wallace Management Company, LLC
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX Subject : Cease and Desist Demand Dear XXXX XXXX XXXX XXXX, I am writing to formally demand that you immediately cease and desist from any unauthorized or unlawful access, use, or distribution of my personal and financial information, as governed by federal statutes including 15 U.S.C. 6802 ( Privacy of Consumer Financial Information ), 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ), and 18 U.S.C. 1028A ( Aggravated Identity Theft ). 

You are hereby notified that any continued unauthorized use or dissemination of my personal information may constitute a violation of federal law, resulting in potential legal consequences including civil and criminal liabilities. I demand that you take corrective action to ensure compliance with applicable statutes and immediately refrain from any further activities that compromise my financial privacy.

Failure to comply with this cease and desist order may result in legal action, including but not limited to pursuing relief through federal agencies or civil litigation. Please provide written confirmation within [ reasonable time frame, e.g., 10 business days ] that you have ceased any improper actions related to my personal and financial information. 

This letter serves as formal notice of my demand, and I expect your full cooperation in resolving this matter promptly. Please address all further correspondence regarding this issue to me directly. 

Sincerely, [ Your Name ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i am filing a complaint with Equifax, Experian and TransUnion for failing to properly investigate my dispute regarding inaccuracies on my credit report each company consistently respond within 24 hour stating the accounts is accurate without providing any evidence of a thorough investigation of my dispute violates the fair credit reporting act ( FCRA ) 15 use S 1692 which mandates a reasonable investigation of disputes the information is reporting inaccurate here the list of companys 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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PLANET HOME LENDING, LLC
State: LA

Complaint narrative:
In XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX, XXXX, and XXXX reported late notices my credit report According to 15 U.S. Code 1681B ( 2 ) and FCRA Section 605B It is illegal to report anything on my credit report without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: DISCOVER BANK
State: MS

Complaint narrative:
Please see the attached proof of Discover 's false documentation and failure to act reasonably.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Despite ongoing regulatory actions involving financial data security, I am entitled under the Fair Credit Reporting Act ( FCRA ) to a reasonable investigation into the accuracy of the information being reported. 

I am request that you conduct a reasonable investigation as required by the Fair Credit Reporting Act ( FCRA ). If the furnishing party can not provide documented proof of the debts validity, including a legally binding promissory note bearing my original wet-ink signature, this account must be deleted immediately. 


I have reason to believe that the XXXX XXXX XXXXXXXX XXXX have disclosed my educational records and financial information without my explicit, written consent, in possible violation of the Family Educational Rights and Privacy Act ( FERPA ) . I request full documentation proving that my consent was lawfully obtained for this disclosure. If such documentation can not be provided, this account must be removed.

If my loan servicer acts as a debt collector, they are required under 15 U.S.C. 1692g ( Fair Debt Collection Practices Act FDCPA ) to provide proper validation upon request. I formally request such validation, including a detailed payment history, contract agreement, and evidence of lawful collection authority.

The furnishing of inaccurate and misleading information is causing financial harm and undue distress. I expect your adherence to federal regulations and request the immediate deletion of this account. I hope that you will uphold the law and immediately remove this account from my credit report due to the lack of verified, lawful reporting and potential FERPA/FCRA violations. 


Please provide a written response to the address above, detailing the verification process, the specific documentation reviewed, and a copy of my original signed agreement, along with any records proving the lawful furnishing of my student loan data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Overnight on XX/XX/XXXX debits went out of my account, and credits came into the account. The account was never in negative standing however, they charged a {$36.00} overdraft fee. Account was simply never negative. 

In XXXX a similar situation happened, and I requested to opt-out of any overdraft type of coverage. Explained I do not want this coverage, and I do not want the bank to " lend '' me money and charge a {$36.00} fee. I want the transactions declined. 

I requested this again last week, and they say it is not an option. I don't have the ability to opt-out of this coverage. They have been completely unhelpful.

These 2 situations combined feels predatory and abusive as a way to generate high fees, for no reason, from clients whose accounts are not even overdrawn

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation