vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I requested a CEASE AND DESIST REPORTING OF ALL MEDIA not contact! Stop reporting to my credit! 

This amount is incorrect. Youre reporting and attempting to collect {$560.00} for XXXX XXXX! 
However capital one says it {$860.00} owed! Thats inaccurate information you both cant have 2 different amounts for the same account thats called incorrect and incomplete you have to stop reporting it! 

Lastly both PRA and XXXX XXXX are NEGATIVELY REPORTING 2 different amounts to my credit! XXXX XXXX sold my account which both XXXX  XXXX and PRA admitted to in their responses and letter, therefore BOTH OF THEM SHOULD NOT STILL BE REPORTING TO MY CREDIT ONLY ONE!!! 

However due to this illegal activity both of them need to cease and desist reporting and remove themselves from my credit! Yes this is a huge fcra violation! 


Lastly PRA IS NOT LICENSE TO COLLECT A DEBT IN THE STATE OF OHIO OR COMMON WEALTH OF PENNSYLVANIA SO THEY SHOULD NOT HAVE MY ACCOUNT! REMOVE IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I opened a new everyday checking account online with Wells Fargo on XX/XX/XXXX with a bonus sign on offer of {$300.00} after 90 day qualifying. The qualifications were be a new account holder use the bonus code and have {$1000.00} in ACH deposits within 90 days. Promo will be deposited within 30 after the qualifying period ended. I called on XX/XX/XXXX to inquire about the bonus to be told that it was not showing on my account at first then told the system was down. He asked for the code that I used or the email confirmation and I told him that I no longer had access to those things. I thought that those would not be necessary to keep. He then told me he was doing an inquiry to have someone look into it and gave me an inquiry reference code XXXX. Called back on XX/XX/XXXX to check on the inquiry to be told now that the inquiry code was invalid. XXXX told me that she could not see the offer nor the inquiry and put in a new inquiry XXXX. She also said she put in a complaint with code XXXX. I feel as if I am being given the run around after I have held up to my end of the requirements given and now everything is just gone the offer I put onto my application and the inquiry from the first call. I am not trying to get something that is outlandish or anything just the bonus offer I opened the account for.

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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

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 2025-03-21 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: FL

Complaint narrative:
I am submitting this complaint against Equifax Credit Bureau regarding inaccuracies in my personal information as reported in my credit report. 

Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; but my credit report shows an outdated address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I request that my current address be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to 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 non-monetary relief
Consumer complaint received 2025-03-21 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: TX

Complaint narrative:
TransUnion was notified in CFPB complaint XXXX regarding inaccuracies in the reporting of a child support account ( XXXX XXXX XXXX XXXX ) on my credit report. At that time, TransUnion listed a balance of {$3700.00}, while XXXX reported {$4300.00}. Since then, XXXX has deleted this erroneous account, yet TransUnion responded by merely updating the account with a new inaccurate balance of {$3500.00}, which still does not match any verified records. 

I would like to know on what grounds TransUnion is reporting this unverified amount and who specifically verified this information. Furthermore, I previously stated that the payment history is inaccurate, with TransUnion reflecting 120 late payments over three years, while XXXX only reported a single 180-day late payment in XX/XX/scrub> 2024. These discrepancies violate the Fair Credit Reporting Act ( FCRA ) by failing to ensure accuracy in consumer reporting.

Due to these inconsistencies and TransUnions failure to verify how they claim their reporting is accurate, this account should be deleted, not updated. I urge you to reference TransUnion vs. Cushman, which establishes that credit reporting agencies have a duty to conduct reasonable investigations. I expect immediate deletion of this account and written confirmation of its removal.

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 2025-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: MO

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT 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 explanation
Consumer complaint received 2025-03-21 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: CA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX, XXXX, Tx XXXX XXXX : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX Social Security XXXX XXXX, a resident of XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, Tx XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX Apt XXXX, XXXX XXXX Tx XXXX Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : A copy of my drivers license or government-issued ID. 
A copy of a recent utility bill or bank statement confirming my current address.

A copy of my Social Security Number.

Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I received information on the following and, formally dispute the alleged debt of Acct # : XXXX Amount in dispute : {$950.00} referenced, which your agency claims I owe. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ) I request that you provide me with the following information to validate this debt : 1.The amount of the debt : Please provide a complete and detailed account of the amount you claim I owe, including any interest, fees, or other charges that have been added to the original debt.

2.The name of the original creditor : Please provide the full name and address of the original creditor to whom this debt is owed.

3.Verification of the debt : Please provide documentation that proves I am indeed responsible for this debt, including any signed agreements, contracts, or other proof of the obligation.

4.A detailed history of the account : Please provide a complete account history, including the original balance, any payments made, any fees or interest added, and the dates of these transactions.

5.Copy of the agreement : Kindly provide a copy of the signed contract or agreement that demonstrates my obligation to pay this debt.

6.Documentation on your licensing : Please furnish me with your agencys licensing information, as required by state and federal laws.

Please note that under the FDCPA, you are required to provide the requested validation within 30 days of receiving this letter. If you fail to do so, I expect that this debt will be removed from my credit report and that no further collection attempts will be made.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), 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, Experian, Equifax 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 Accounts : XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$19000.00}, XXXX XXXX XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$13000.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$12000.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$10000.00}, XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$9400.00} XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$4000.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$1000.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$1000.00}, XXXX XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$940.00}, XXXX XXXX  XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$520.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$490.00}, XXXX. XXXX, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$450.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$430.00}, XXXX XXXX XXXX  Account XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$170.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


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. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: IL

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 
Disputed Accounts : XXXX. INACCURATE Direct VIOLATION XXXX XXXX XXXX Billing ERROR % XXXX UPDATE ACCT TO PAID AS AGREED XXXX XXXX Account Number : XXXX XXXX. INACCURATE Direct VIOLATION XXXX XXXX XXXX Billing ERROR % XXXX UPDATE ACCT TO PAID AS AGREED XXXXXXXX Account Number : XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law XXXX Account XXXX : XXXX Please remove it 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