vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 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: FL

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 2025-02-24 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: CT

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 2025-02-24 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, I have contacted you and the XXXX credit reporting XXXX, XXXX, Experian companies about charge off and stating past due on my reports all have stated verified, a closed account that is an opened account can not show payment history also I have request a 1099c seeing how this account was charged off .I am disputing the accuracy and validity of the charge off. I assert that the information you are reporting is inaccurate, incomplete, and violates the fair credit reporting act { FCRA } 15 USC1681et seq., and the Fair Debt Collection Practices Act { FDCPA } 15 USC1692et. seq. I contend that the charge off is invalid because credit first has failed to provide adequate evidence of the debt 's existence, legitimacy, and proper reporting. I see on all three reports the debt was forgiven or written off this debt as income, as evidenced issuance of a form 1099c, Cancellation of debt. Under the Internal Revenue code 1099 c form represents the cancellation of debt and could indicate that this debt is no. longer legally enforceable. under 15USC1692g { a } I was debt validation the following items1 proof that I owe the alleged debt 2statment the debt was no discharged in through bankruptcy 3 date of discharge 4 any document of a 1099c issued in connection with this debt if information can not be provided I request that this account be removed at once from my credit report. this could be fraudulent reporting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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:
XXXX XXXX XXXX XXXX, I have contacted you and the XXXX credit reporting Transunion, XXXX, XXXX companies about charge off and stating past due on my reports all have stated verified, a closed account that is an opened account can not show payment history also I have request a 1099c seeing how this account was charged off XXXX am disputing the accuracy and validity of the charge off. I assert that the information you are reporting is inaccurate, incomplete, and violates the fair credit reporting act { FCRA } 15 USC1681et seq., and the Fair Debt Collection Practices Act { FDCPA } 15 USC1692et. seq. I contend that the charge off is invalid because credit first has failed to provide adequate evidence of the debt 's existence, legitimacy, and proper reporting. I see on all three reports the debt was forgiven or written off this debt as income, as evidenced issuance of a form 1099c, Cancellation of debt. Under the Internal Revenue code 1099 c form represents the cancellation of debt and could indicate that this debt is no. longer legally enforceable. under 15USC1692g { a } I was debt validation the following items1 proof that I owe the alleged debt 2statment the debt was no discharged in through bankruptcy 3 date of discharge 4 any document of a 1099c issued in connection with this debt if information can not be provided I request that this account be removed at once from my credit report. this could be fraudulent reporting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: NJ

Complaint narrative:
My XXXX Credit card account was Closed & Charged off on XX/XX/year> and I have settled the account for less than the owed balance and they have update the balance to XXXX $ in XXXX and XXXX but they have reverted it back to $ XXXX in Transunion report. 
I have disputed it multiple times and i havent had a proper resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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:
I XXXX XXXX, am a victim of identity theft, request removal and deletion of listed accounts on my XXXX credit report : XXXX, Inquiry date : XXXX XXXX, XXXX XXXX, Inquiry date : XX/XX/XXXX, XXXX, Inquiry date : XX/XX/XXXX, XXXX, Inquiry date : XXXX XXXX, Chapter 7 bankruptcy : bankruptcy, XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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:
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 2025-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am an international student currently pursuing my graduate studies in the United States. My bank account is primarily used for paying tuition, rent, utilities, daily expenses, and occasional transfers with friends. I have always followed the law and complied with all regulations. However, my bank account was forcibly closed without any explanation. I do not understand why this happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
ACCOUNT NAME 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
ACCOUNT NAME 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
These company are reporting late and should have XXXX balance. I have never been late on these account.

1.Tower Loan should be reporting paid in full with no lates. 
XXXX. XXXX XXXX XXXX should be paid in full with no lates XXXX XXXX XXXX should be reporting paid in full with no lates. 
XXXX. XXXX XXXXXXXX XXXX  should be paid in full with no lates XXXX. XXXX XXXX should be reporting paid in full with no lates

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion has closed my file this is my transunion file number and my social security number is XXXX. My name is XXXX XXXX XXXX. My date of birth is XXXX. Transunion had no legal rights to close my file with them. I do have a case number with them and it is XXXX please advise transunion to open my file again which is against the fair act consumer right to close my file and I am not able to obtain a job without them opening my file. The phone number for them is XXXX. My personal phone number is 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 2025-02-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Not only was my father wrongfully foreclosed on, he was a depressed XXXX veteran whom was grieving the loss of his son from MD at the time of forced foreclosure. In 2008 it was incorrect loan modifications that resulted in wrongful foreclosure due to XXXX XXXX greedy behavior. My parents had to abandon their home and moved to Florida. This ruined family ties as well as their XXXX XXXX, even added to my fathers anxiety and XXXX. A XXXX Veteran! Wells fargo says there was no error on " thier '' part. 
How was a veteran not protected? He had a va rider loan. This is absolutely absurd, my fathers family deserves compensation for XXXX XXXX wrong doing. 
He was also a victim of unauthorized products on his accounts as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello, so i had been corresponding via email and calls with XXXX XXXX in XXXX NY for a new 2025 XXXX XXXX XXXX XXXX. On Friday morning we had finally come to terms on the pricing on Friday morning XX/XX/year> and i said great i am ready to go and i had expressed several time 's what banks i would like to go with which were XXXX XXXX XXXX XXXX because they were offering 6.03 % and 5.99 % respectively. They explained that XXXX XXXX XXXX didn't have any promotional rates and were currently offering 7.99 % and the banks i listed above were offering the lowest rates currently. I expressed this in writing via email prior to sending the credit application to them. Then, on Saturday XX/XX/year> the finance department submitted the credit application to 5 different lenders and none of the lenders it was submitted to were ones i wanted to use. They then get the approval from all the lenders and selected XXXX XXXX to go with which was 1 % higher in rate then the lenders i wanted to use. I told them i cant accept these terms. I told them i will secure the financing on my own and bring them a check for the TOTAL and they said they wont do the deal unless i finance with them. Then they had told me to take the deal or leave it and i said i will happily leave the deal and i was not going to work with them anymore. Then on Sunday XX/XX/year> the finance department submitted my credit to 2 additional lenders and they didn't have my permission to do this as i was not buying the car anymore. 

So now my credit has ding by 7 different lenders for the same vehicle and none of these lenders were mentioned. The dealership also never informed me that they werew going to submit to all of these different lenders because if i had known i would have told them to never do that. i take my credit very seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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 am writing to formally dispute the accuracy of the account listed on my credit report, as it is currently involved in pending XXXX. The account in question is under legal review, and any reporting related to it is premature and inaccurate. It is clear that this account should not appear on my credit report until the matter is fully resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have pleaded for my information to be corrected per 151 US CODE 1679C i only have one address and that is XXXX XXXX XXXX XXXX only XXXX il XXXX only my phone number XXXX only XXXX XXXX XXXX Rights Under State and Federal Law You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or XXXX XXXX organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years. 

THEY REFUSE TO CORRECT MY STATUS, THIS IS CAUSING ME SO MUCH HARD ACHE, TRIALS AND TRIBULATIONS, I CAN NOT EVEN LEAVE GENERATIONAL WEALTH FOR MY CHILDREN BECAUSE OF OF THESE PEOPLE RUINING MY LIFE!!!! I HAVENT HAD THE STRENGTH TO FIGHT THEM!! THEY ARE LIKE PARASIDTES THAT NEVER XXXX, DISREGARDING LAWS AND GETTING AWAY WITH IT FOR LIFETIMES FOR PEOPLE WHO CAN NOT AFFORD TO GET LEGAL HELP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines. 
Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) in accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received. 
XXXX PLEASE DON'T RESPOND TO MY REQUEST SAYING THAT THESE ACCOUNTS ARE VERIFIED BY THE INFORMATION PROVIDER, SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS

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