vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 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: TX

Complaint narrative:
I am filing this complaint against two furnishersXXXX XXXX XXXX  ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and XXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., relating to the inaccurate and misleading reporting of payment history on my consumer credit reports. 

XXXX XXXX XXXXXXXX has been reporting this account, opened on XX/XX/XXXX with a high balance of {$12000.00}, as delinquent with repeated late payment notations. These delinquencies continue to appear on my credit profile despite the fact that I have submitted prior disputes and have requested a reinvestigation under FCRA 1681i. The furnisher and credit reporting agencies have failed to provide adequate validation or the method of verification, nor have they corrected or deleted the information in compliance with their statutory obligations under FCRA 1681s-2. 

XXXX, listed as opened on XX/XX/XXXX with a high balance of {$7900.00}, is similarly reported with multiple late payments. I have reason to believe the reporting is inaccurate and possibly outdated or duplicated from an earlier obligation. Again, I have made a good-faith effort to resolve this directly and through dispute processes with the bureaus, to no avail. The failure to conduct a reasonable investigation, notify me of results, and provide supporting documentation represents a willful or negligent noncompliance under FCRA 1681n and 1681o. 

Additionally, the continued reporting of derogatory information, especially after legitimate dispute, represents a failure to maintain maximum possible accuracy as mandated under FCRA 1681e ( b ). These entries have materially affected my credit standing and have caused me actual harm in the form of credit denials and emotional distress. 

Requested Action : Immediate reinvestigation of both accounts.

Full deletion of any unverifiable or inaccurate derogatory information.

A written summary detailing the results of all investigations, including the name and contact information of each furnisher and the method of verification used.

Regulatory enforcement actions against the furnishers for their noncompliance. 

I am enclosing dispute documentation, credit reports reflecting the inaccuracies, and correspondence with the furnishers and CRAs.

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 2025-05-31 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: TX

Complaint narrative:
I am filing this complaint against two furnishersXXXX XXXX XXXX  ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and XXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., relating to the inaccurate and misleading reporting of payment history on my consumer credit reports. 

XXXX XXXX XXXXXXXX has been reporting this account, opened on XX/XX/XXXX with a high balance of {$12000.00}, as delinquent with repeated late payment notations. These delinquencies continue to appear on my credit profile despite the fact that I have submitted prior disputes and have requested a reinvestigation under FCRA 1681i. The furnisher and credit reporting agencies have failed to provide adequate validation or the method of verification, nor have they corrected or deleted the information in compliance with their statutory obligations under FCRA 1681s-2. 

XXXX, listed as opened on XX/XX/XXXX with a high balance of {$7900.00}, is similarly reported with multiple late payments. I have reason to believe the reporting is inaccurate and possibly outdated or duplicated from an earlier obligation. Again, I have made a good-faith effort to resolve this directly and through dispute processes with the bureaus, to no avail. The failure to conduct a reasonable investigation, notify me of results, and provide supporting documentation represents a willful or negligent noncompliance under FCRA 1681n and 1681o. 

Additionally, the continued reporting of derogatory information, especially after legitimate dispute, represents a failure to maintain maximum possible accuracy as mandated under FCRA 1681e ( b ). These entries have materially affected my credit standing and have caused me actual harm in the form of credit denials and emotional distress. 

Requested Action : Immediate reinvestigation of both accounts.

Full deletion of any unverifiable or inaccurate derogatory information.

A written summary detailing the results of all investigations, including the name and contact information of each furnisher and the method of verification used.

Regulatory enforcement actions against the furnishers for their noncompliance. 

I am enclosing dispute documentation, credit reports reflecting the inaccuracies, and correspondence with the furnishers and CRAs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: NY

Complaint narrative:
I recently suffered a data breach, and as a result, fraudulent accounts have been reported under my name. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX delete and block the following accounts from my credit report Accounts 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: NY

Complaint narrative:
I recently suffered a data breach, and as a result, fraudulent accounts have been reported under my name. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX delete and block the following accounts from my credit report Accounts 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-05-31 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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Dispute of Inaccurate Information Due to Equifax Data Breach To Whom It May Concern, I am writing to dispute information in my credit file that I believe is the result of the Equifax data breach that occurred in XXXX. I was notified that my personal information may have been compromised, and I have since noticed suspicious and inaccurate items on my credit report. 

Please be advised that under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into the following inaccurate information : XXXX  XXXX XXXX Account opened fraudulently, balance incorrect, not my account XXXX XXXX XXXX XXXX XXXXXXXX Account opened fraudulently, balance incorrect, not my account XXXX XXXX XXXX Account opened fraudulently, balance incorrect, not my account This account does not belong to me, and I believe it may have been opened fraudulently using my stolen personal information. I have never authorized this account, nor have I had any dealings with the above-mentioned creditor. 

Enclosed are copies of supporting documentation that substantiate my claim, including : * A copy of my credit report showing the disputed item * A government-issued ID ( e.g., drivers license ) * Proof of address ( e.g., utility bill or bank statement ) * \ [ Optional : Identity Theft Report filed with the FTC or police report ] Please conduct a thorough investigation and remove or correct the inaccurate information from my credit report as required by law. I also request that you provide me with the results of your investigation in writing. 

Additionally, I request a copy of my updated credit report once the dispute is resolved. If this fraudulent item is not removed, I may consider further legal action to protect my rights under federal law. 

Thank you for your prompt attention to this matter. 

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 2025-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
I ask for a complete accounting of my indebtedness with your company, as I did request a deferment on payments while I was making a transition on a move with my family. Upon your review, you might find that the late payments do not belong on my credit reports. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 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 Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor 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  Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. Thank you for your immediate action to this issue. 

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 2025-05-31 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 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 Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor 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  Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. Thank you for your immediate action to this issue. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Westlake Services, LLC
State: MD

Complaint narrative:
I requested to voluntarily surrender vehicle to any location of their choosing but they refused. Instead they towed vehicle and are charging me with interest.

They threatened to sell vehicle cheap and make matters more difficult for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Victim of impersonation scam involving someone claiming to be Wells Fargo Fraud Department. Funds were withdrawn and transferred based on their instructions. Requesting bank to treat these as fraudulently induced transactions under Regulation E and the CFPBs XXXX guidance on scams This morning ( XX/XX/XXXX ) at XXXX i received a text from ( what i know know to be a fake wells fargo # ) asking me if i had just charged {$2700.00} at XXXX XXXX in XXXX XXXX Texas. I responded " No '' then received a call from a man named " XXXX '' at Wells Fargo Fraud dept. It turns out " XXXX '' was scamming me. He told me someone had access to my account, and to make sure no more fraudulent charges I would have to move all of my liquid assets as well as my remaining credit card limit to a temporary Wells Card #. I was then instructed to consolidate my savings and the remaining credit limit to my checking account. Then i was instructed to send {$10000.00} to my apple wallet, and then to a temporary debit card " XXXX '' gave me the details for. Then because there was a limit, I was then instructed to withdraw my remaining money ( {$4500.00} ) from my local Wells Fargo Branch ( at XXXX XXXX XXXX in XXXX, CA ). I was told there is a bank wide investigation so i was instructed to not tell the teller anything out of the ordinary was going on. Then I was told that Wells Fargo partners with XXXX to help in these fraud matters, and was given a temporary debit number for XXXX, and to then deposit my cash i just withdrew into this temporary account. After that i was told i would need to disconnect these cards so they could send me new ones. I was then told that in 15-30 mins i would have new accounts i could bank with at Wells Fargo XXXX After realizing i was scammed {$15000.00} i called wells fargo, XXXX XXXX XXXX and finally physically filed a fraud claim at the XXXX Police Station, as it is the nearest Police Station to me. I spoke and filed with Officer XXXX ( serial number XXXX ). Who then told me to file with FTC.Gov and here we are.

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 2025-05-30 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: TX

Complaint narrative:
I am requesting a full validation of the alleged debt in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide all necessary documentation to verify that the debt is accurate, that I am legally obligated to pay it, and that your agency has the authority to collect on it. This includes, but is not limited to, a copy of the original signed agreement, a detailed account history, and verification of your legal right to collect this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: IL

Complaint narrative:
This letter serves as notice that my credit report has fraudulent accounts due to a data breach. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX IL XXXX Please delete and block the following accounts from my credit report Accounts WEBBNK/FHUT - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXate Opened : XX/XX/year>, Balance : {$0.00}

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 explanation
Consumer complaint received 2025-05-31 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I never requested a fraud alert with any of the three credit reporting agencies. Therefore, I respectfully request the deletion of the fraud alert that was placed on all of the credit bureaus, making it impossible for any finance company to pull my credit report. Please remove the fraud alert on my credit bureaus. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
The delinquent payment showing on my credit report on XX/XX/XXXX with Barclays ( account XXXX XXXX XXXXXXXX ) was a result of my job loss due to COVID-19. The CARES Act was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX. This act amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis under these circumstances. Please update this information on my XXXX XXXX XXXX credit report to PAID as Agreed never late, and cease the reporting of late payments during this period ; or remove account from my 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