vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 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: NC

Complaint narrative:
Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I XXXX XXXX have hard inquiries on my credit report I did not authorize.

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 2025-03-19 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I XXXX XXXX have hard inquiries on my credit report I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: NJ

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint for Inaccurate Credit Reporting FCRA Violation Dear Consumer Financial Protection Bureau XXXX XXXX am filing a formal complaint against [ Name of the Credit Bureau : TransUnion, Experian, or Equifax ] , as they have reported inaccurate and harmful information on my credit report and failed to correct it. This is a direct violation of the Fair Credit Reporting Act ( FCRA ). 

Account in Dispute : XXXX XXXX Account Number : XXXX Reason for the Complaint : Inconsistent Information on My Credit Report The account is marked as " Charged Off '' with a {$0.00} balance, yet it continues to negatively impact my credit. 
The last payment date and last activity date are inconsistent across all three credit bureaus. 
Equifax reports an incorrect credit limit of {$650.00}, while TransUnion and Experian show different values.

Violation of FCRA 15 U.S.C 1681i ( a ) ( 1 ) ( A ) I have requested the credit bureau to verify the accuracy of this account, yet they have failed to provide valid documentation.

Violation of FCRA 15 U.S.C 1681e ( b ) The credit bureau is required to ensure that my report is accurate, but they continue to report incorrect information despite my disputes.

Possible Violation of FCRA 15 U.S.C 1681c ( a ) ( 4 ) If this account was closed in 2018, it is approaching the 7-year reporting limit, meaning it should be removed from my credit file soon. 
Financial Impact : This inaccurate information is damaging my credit and limiting my financial opportunities, as I am still being considered a high-risk borrower due to this incorrectly reported account. 

Request to the CFPB : I demand that the credit bureau immediately correct or delete this account. 
If they can not provide valid documentation verifying the accuracy of this account, they must remove it under the law. 
I request that the CFPB intervene and ensure that the credit bureau complies with the FCRA. 
I am attaching copies of my credit report, screenshots of the discrepancies, and proof of my previous dispute attempts with the credit bureau. 

I appreciate your prompt attention to this complaint and look forward to a fair resolution. 

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 2025-03-19 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: GA

Complaint narrative:
- These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries 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 non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I submitted CFPB Case ID : XXXX several months ago and the case was closed giving a full pardon to Wells Fargo XXXX Since that time, and despite the fact I have again provided all of the required insurance information to Wells Fargo, I am in receipt of another letter demanding proof of insurance. How many times must I provide this information to these people? 

Additionally, I firmly disagree with the CFPB 's findings in my original case and request you reevaluate it based on the fact a ) the issue is ongoing and b ) additionally evidence I am attaching to this complaint which clearly shows Wells Fargo is not being fully forthcoming in their communications with you. 

There is a systemic issue within Wells Fargo. I am just one little person and I can not change the world. The CFPB, however, is a large government entity and you do have the power to save thousands of people time and money by insisting Wells Fargo rectify their breakdown in communications between the mortgage and insurance divisions.

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 2025-03-19 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: NH

Complaint narrative:
Please take action to remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize them and do not recognize their origins. As per USC 1681g, I am requesting their removal within 15 days. The necessary documents are attached for review. Furthermore, there are discrepancies in the account details, as different information is being reported to each bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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:
A collection account which was removed from experian consumer credit report was not removed from Experian Rent Bureau consumer credit report which i thought was the same agency. 
Collection account info : XXXX XXXX XXXX # XXXX {$11000.00} Account was opened fraudently not my account no knowledge of it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
There are unauthorized inquiries from your company on my credit report that I never consented to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: GA

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 explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BMO BANK NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Thank you for your help. We are puzzled by the company 's actions toward us. If you'd like to discuss this over the phone, please call me at XXXX. It's quite complex. We have documentation showing that XXXX made a payment by phone, but the second attempt was rejected. XXXX requested a mailed bank draft paper to sign, which we sent back to BMO twice because the company claimed they didn't receive it. They did withdraw the draft test money from our account, as reflected in the bank statement. So they did have the draft papers. I signed XXXX up online to make payments until the draft was fixed. They refused the second online payment but processed the first payment online without any issues. The draft was still not functioning because they then required a declarant information form, a copy of XXXX 's license, and a notarized signature that was emailed to them. XXXX made numerous calls for assistance, but no one could help him, leading to his filing with the CFPB in Georgia. They responded to the CFPB as if XXXX had never submitted any papers requesting help or asking for the mistakes to be fixed, telling him to pay all fees and interest as soon as possible and sending XXXX a paper showing payments made to the account but no showing the rejected ones or the money removed from the bank account showing they could draft from the accounts. The company sent " Test Withdrawals '' That were unauthorized. We are concerned there is some form of Identity theft possibly by an internal banking agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Rent Bureau, Transunion Rental Screening Solutions, Equifax I am writing to request a copy of my rental screening report as permitted under the Fair Credit Reporting Act ( FCRA ). Please provide me with a copy of any tenant screening report or rental history information you have on file under my name.

Below is my identifying information to assist in locating my records : Full Name : XXXX XXXX XXXX of Birth : XX/XX/year> Current Address : Attached Social Security Number : Attached Please send my report via email or provide instructions on how I can access it online. If you require additional information to process this request, please contact me at XXXX Thank you for your time and assistance. I appreciate your prompt response. 

Sincerely, 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 2025-03-19 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 received the results back from the investigation that I dont agree with the results of your investigation into the negative charged off accounts being reported on my credit report. I would like these accounts to be re-investigated immediately. These accounts and the negative inaccuracies are highly causing a negative impact to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 66, Subsection A-D, please provide the names and business addresses of each individual with whom you spoke to and verified the above accounts with so that I may follow up with them. Please forward an updated credit report after you have completed your re-investigation and made the corrections/deletions. 

From Experian please see accounts listed, 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

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 2025-03-19 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: LA

Complaint narrative:
" I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists. '' I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND I WAS SHOCKED TO FIND I HAD BEEN THE VICTIM OF IDENTIFY THEFT I DO NOT RECOGNIZE THESE ACCOUNT PLEASE REMOVE THIS FROM MY CREDIT REPORT THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT XXXX. XXXX XXXX XXXX ACCOUNT NUMBER : XXXX AMOUNT : {$850.00} XXXX. XXXX XXXX XXXX ACCOUNT NUMBER : XXXX AMOUNT : {$13000.00}

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 2025-03-19 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: NJ

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : 1. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX XXXX Date of Inquiry : XX/XX/25 Company That Performed Inquiry : XXXX XXXX  Date of Inquiry : XX/XX/25 Company That Performed Inquiry : XXXX XXXX Date of Inquiry : XX/XX/25 Company That Performed Inquiry : XXXX  Date of Inquiry : XX/XX/25 Company That Performed Inquiry : XXXX XXXX XXXX Date of Inquiry : XX/XX/25 Company That Performed Inquiry : XXXX XXXX  Date of Inquiry : XX/XX/25 Company That Performed Inquiry : XXXX Date of Inquiry : XX/XX/25 Company That Performed Inquiry : XXXX XXXX XXXX Date of Inquiry : XX/XX/25 Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ).

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry.

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.

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 2025-03-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Equifax, Experian & Transunion for improper and inaccurate reporting of a charged-off account on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, negative accounts must be reported accurately, and charge-offs can not be re-aged or repeatedly reported each month as a new delinquency. However, Equifax, Experian & Transunion has continued to report this charge-off incorrectly, damaging my credit standing.

I have attached details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: GA

Complaint narrative:
I am writing to dispute an account reported by XXXX XXXX XXXX on my credit report. As the Trustee of the trust associated with this account, I have no recollection of entering into any contract or agreement with this collection agency. 

I am demanding the immediate removal of this account from my credit report. XXXX XXXX XXXX has failed to provide essential documentation to substantiate the validity of this debt. Specifically, they have not provided any of the following : Copies of any contracts, agreements, or instruments related to the choice in action. 
Detailed records of any transactions, exchanges, or transfers involving the chosen action, including dates, parties involved, and transaction specifics. 
Information on any legal actions, claims, or disputes associated with the chosen action, including court filings, judgments, and settlements. 
Correspondence and communications relating to the choice in action. 
Any other documents or records that would provide insights into the nature, ownership, or status of the action. 
Without proper documentation to substantiate this debt and prove the legitimacy of their claim, I am requesting that this account be removed from my credit report. The company 's failure to provide basic supporting documentation raises doubts about the validity of this debt and warrants its removal. 

The account details are as follows : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Account Condition : Collection Date Opened : XX/XX/2024 Account Balance : {$1100.00} Last Reported : N/A Amount Past Due : {$0.00} Remarks : None Responsibility : Individual Account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: FL

Complaint narrative:
I am filing a formal complaint against XXXX XXXX for inaccurate and unlawful credit reporting related to a closed account in XXXX and was charged. Despite this, XXXX XXXX  continues to report ongoing late payments beyond the charge-off date, including through XXXX, XXXX, XXXX, and XXXX, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information ( creditors ) are prohibited from reporting inaccurate or misleading information. By reporting new delinquencies past the charge-off, XXXX XXXX is falsely indicating that I am continually delinquent on an account that was already charged off and closed, thereby re-aging the account to prolong negative impact on my credit profile.

Furthermore, under 15 U.S. Code 1681c ( a ) ( 4 ), negative items must be removed 7 years from the date of the first delinquency, and no new delinquencies should be reported after a charge-off has occurred.

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 2025-03-19 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: TX

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

EQUIFAX XXXX XXXX has violated my rights. 

EXPERIAN XXXX XXXX XXXX XXXX XXXX CO XX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurmation, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

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 2025-03-19 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I previously disputed this account with Equifax, XXXXransUnion, and XXXX, as it does not belong to me. Following my dispute, XXXX deleted the account from my credit report, acknowledging that it was not mine. However, Equifax and TransUnion claimed to have verified the account as mine but failed to provide any proof to substantiate their findings. 

I am not liable for this debt of {$6100.00} with XXXX XXXX XXXX XXXX XXXX Account # XXXX. I do not have a contract with XXXX XXXX XXXX  XXXX , and they have not provided me with the original contract, as I requested, including my wet signature and ID verification. 

I request that Equifax and TransUnion conduct a thorough reinvestigation and provide documented evidence supporting their verification. If such evidence can not be provided, I demand the immediate removal of this account from my credit file.

Company response to consumer: Closed with non-monetary relief