vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-12 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX {$160.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3700.00} XX/XX/XXXXXXXX XXXX XXXX {$320.00} XX/XX/XXXX DDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX, FL XXXX INQUIRIES NOT RECOGNIZED XXXX - XX/XX/XXXX XXXX, XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian 15 U.S.C , 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2024-12-12 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: GA

Complaint narrative:
I am submitting this formal complaint regarding the inaccurate, misleading, and unverifiable information reported on my credit file by the credit bureaus, creditors, and collection agencies. Despite multiple attempts to dispute these inaccuracies, my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) have been consistently violated. The information being reported is both inaccurate and a violation of my consumer rights, as outlined below. I have made several attempts to address the inaccuracies on my credit report through disputes with the credit bureaus, creditors, and collection agencies. Despite these efforts, they have failed to comply with their legal obligations under the FCRA, 15 U.S.C. 1681s-2, which requires that all information furnished must be accurate and verifiable. Additionally, they have failed to provide sufficient evidence to validate the debts or correct the discrepancies. 
XXXX  XXXX : Discrepancies in credit limits between bureaus. 

Failure to properly update status post-dispute. 

XXXX XXXX XXXX Marked as Paid Derogatory and Collection/Chargeoff. Inconsistent reporting across bureaus. 

Settled accounts inaccurately labeled as active debts. 

XXXX XXXX  : False reporting of past-due balances. 

Charged Off status inaccurately listed without validation. 

XXXX XXXX Card : Inconsistent Last Activity dates between XXXX and XXXX. 

Chargeoff listed with no supporting evidence of verification. 

Name Discrepancy : Reporting XXXX XXXX and XXXX XXXX. This is incorrect and misleading.

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 2024-12-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
Company could not accurately explain why auto lease suddenly appeared as CURRENT on credit report after being closed for 8 years. 

Company wanted approximately {$350.00} from me in order to remove notation eventhough credit report clearly states that the issue was resolved. 

Credit report says that this auto lease is current and that I have been making payments to them for years, eventhough account was and is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On Tuesday, XX/XX/year> at XXXX XXXX, I received a phone call from which the caller ID showed Wells Fargo on it. They told me they are calling due to suspicious activity on my bank account. I had to stop working for a moment, as a phone call like this is alarming. The individual asked several questions regarding transactions, all of which I denied and had nothing to do with me. The person then tells me that for additional security reasons, they need to verify me. They proceed to text me a code ( text came thru as Wells Fargo ) - naturally I provided the code. Within XXXX seconds the call dropped. 
At no time did I provide ANY personal/sensitive information to this person. 
I called the Wells Fargo # back and it was a Wells Fargo recording. I checked my account online and everything seemed fine only to receive a notification - moments later - that I added someone to my XXXX recipients- which I didn't do - and just like that they went into my bank account and Zelled all my money out of my account to an unknown individual. 
I contacted Wells Fargo- thru the phone number on the back of my debit card- and they said this needed to be investigated and I will be called within XXXX. 
It is Thursday, XX/XX/year> and I had nothing received a peep from Wells Fargo. I took my morning off of work to physically go to the bank and address the situation. 
A kind man provided me assistance and after over an hour on the phone and attempting to figure things out - I STILL HAVE NO MONEY & MORE IMPORTANTLY STILL HAVE NO UNDERSTANDING HOW SOMEONE GOT INTO MY PERSONAL ONLINE ACCOUNT AND TOOK ALL OF MY MONEY. 

How could this have been so easy? How do they have a Wells Fargo number to call me from and lead me to believe that it is Wells Fargo? How did the number they called me from have a Wells Fargo recording ( see XXXX pic )? How do the text messages they sent me come from a Wells Fargo number- where I have received other legitimate Wells Fargo messages from ( see third pic )? HOW CAN A MAJOR FINANCIAL INSTITUTION - who I trust with my money- NOT HAVE A WAY TO PREVENT THIS FROM BEING SO EASY? Moving forward, how will I ever know if I see a call from Wells Fargo, that it is actually Wells Fargo??? 

I have been a loyal customer of Wells Fargo for less than a year. I had all of my banking with XXXX bank for well over a decade. I never ONCE had anything like this happen to me.

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 2024-12-12 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: NC

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2024-12-12 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
While reviewing my credit report, I noticed hard inquiries that I had no knowledge of on my report. I believe I may have been a victim of identity theft. The inquiries are : XXXX XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> Please remove these hard inquiries from my report. I am also attaching my identity theft 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 2024-12-12 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: AZ

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 1681. 


XXXX XXXX XXXX Account owner : Individual account Original creditor : XXXX  XXXX XXXX Date reported : XX/XX/year> Date assigned : XX/XX/year> Account status : Unpaid Amount : {$290.00} Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 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 too believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I do not have a contract nor did i authorize this company to obtain my information, my rights to privacy was violated under the FDCPA & FCRA. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services or money and was successful in creating some account. 



JEFFRSON CAPITAL SYST XX/XX/year> {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Champions Funding, LLC
State: NC

Complaint narrative:
I identified an advertisement for a no dock loan from champions XXXX. I applied for the loan was approved for a first mortgage on my home that was free and clear. After review of the Dodd frank act and the ATR rule it is clear The Champions XXXX  did not prove that I had the ability to repay the loan. I have been and at the time was unemployed not receiving any income. I have asked champions to send me the whole loan file to see if they did try to accommodate the ATR rule they have sent me closing documents but not the whole loan file. I did reach out to them they left me a voicemail stating that North Carolina law allows for a loan that they call the ally loan that you do not have to prove any income I then did more research and found out that federal law does supersede North Carolina law which would make the ATR rule still in effect.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2024-12-12 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: CA

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 XXXX 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 opened at XXXX XXXX  XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$94000.00} that appears related to the aforementioned personal loan account opened at 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 # ( private case number ) 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 explanation
Consumer complaint received 2024-12-12 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: MD

Complaint narrative:
I'm writing to bestow my XXXX concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and 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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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 always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: MA

Complaint narrative:
I am writing to formally dispute the following items on my credit report. The accounts and transactions in question were opened and executed by an unauthorized individual, not by me. I did not authorize, use, or benefit from these accounts or transactions in any way. 

XXXX XXXX XXXX Total fraudulent amount : {$10000.00} XXXX XXXX XXXX XXXX Total fraudulent amount : {$2000.00} XXXX XXXX XXXX Total fraudulent amount : {$750.00} XXXX XXXX XXXX Total fraudulent amount : {$1300.00} XXXX XXXX XXXX Total fraudulent amount : {$650.00} XXXX XXXX XXXX Total fraudulent amount : {$470.00} XXXX XXXX XXXX Total fraudulent amount : {$220.00} 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 non-monetary relief
Consumer complaint received 2024-12-12 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: MA

Complaint narrative:
I am writing to formally dispute the following items on my credit report. The accounts and transactions in question were opened and executed by an unauthorized individual, not by me. I did not authorize, use, or benefit from these accounts or transactions in any way. 

XXXX XXXX XXXX Total fraudulent amount : {$10000.00} XXXX XXXX XXXX XXXX Total fraudulent amount : {$2000.00} XXXX XXXX XXXX Total fraudulent amount : {$750.00} XXXX XXXX XXXX Total fraudulent amount : {$1300.00} XXXX XXXX XXXX Total fraudulent amount : {$650.00} XXXX XXXX A Total fraudulent amount : {$470.00} XXXX XXXX XXXX Total fraudulent amount : {$220.00} 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 2024-12-12 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: PA

Complaint narrative:
My privacy rights are safeguarded by laws established by Congress to protect consumers. Allowing unauthorized access to my financial data not only violates federal laws but also infringes on my constitutional rights, resulting in significant harm and distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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