vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
DEAR CFPB I'M IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. 
I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE Account name : XXXX XXXX XXXX Account number:XXXX  Date Opened XX/XX/XXXX Status- Paid, Closed. 

Fix each and every error ( including incomplete information ) on every account or delete all accounts that you will not correct.Provide all the data required in this dispute or delete the entire account.. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611, PLEASE PROVIDE THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE ACCOUNT, SO THAT I MAY FOLLOW UP. 
PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR REINVESTIGATION. 

Errors : 1-The reported Date Opened is inconsistent. Please correct or delete the entire account. 

-XXXX  XXXX is reporting : XX/XX/XXXX -XXXX  is reporting : XX/XX/XXXX -XXXX  is reporting : XXXX  deleted this account. 

2-The reported Date Closed is inconsistent. Please correct or delete the entire account. 

XXXX XXXX is reporting : XX/XX/XXXX -XXXX  is reporting : Is Missing XXXX is reporting : XXXX  deleted this account. 

3- The Date of Last Activity is Inconsistent Please correct or delete the entire account. 

XXXX XXXX is reporting : XX/XX/XXXX -XXXX  is reporting : XX/XX/XXXX -XXXX  is reporting : XXXX  deleted this account. 

4-The reported Balance History is missing, Please correct or delete the entire account. 

-Trans XXXX is reporting : Is Missing Information -XXXX  is reporting : Is Missing Information -XXXX  is reporting : XXXX  deleted this account. 

5-The reported Last Verified is inconsistent.Please correct or delete the entire account. 

XXXX XXXX is reporting : XX/XX/XXXX -XXXX  is reporting : Is Missing Information -XXXX is reporting : XXXX  deleted this account. 

6-The Recent Payment is Missing.Please correct or delete the entire account. 

-XXXX  XXXX is reporting : Missing Information -XXXX is reporting : Is Missing Information -XXXX is reporting : XXXX  deleted this account. 

Fix each of the above errors 100 % or delete the entire account. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX D.O.B : XX/XX/XXXX. 
SSN is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$3200.00} XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: CA

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and XXXX Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX * * * Balance : {$190.00} XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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 am sending to formally dispute the accuracy and completeness of several account reported on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), particularly 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] and 611 [ 15 U.S.C. 1681i ], I request a thorough reinvestigation of the following accounts and entries, as they may be inaccurate, incomplete, or unverified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$18000.00}

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 2025-05-22 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:
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 2025-05-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: MOHELA
State: CA

Complaint narrative:
Mohela is harassing me with calls everyday for over a year now and they messed up my credit by atleast XXXX points now and keep calling requesting that I pay them I had to block their number XXXX  times and somehow they still are able to reach me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: NM

Complaint narrative:
Several companies have accessed my credit report without my consent, harming both my credit and score. Despite prior assurances from the credit bureau that these unauthorized inquiries would be removed, they still appear. These potentially fraudulent entries raise serious concerns about identity theft and continue to cause unnecessary stress and financial harm. I urge immediate action to investigate and resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( XXXX ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX  XXXX, I do not have a contract with LVNV FUNDING LLC, they did not provide me the original contract as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
On XX/XX/year> I had my Wells Fargo account compromised. I found out my XXXX card in my phone was digitally highjacked and purchases were made with my digital wallet to the merchant XXXX. XXXX purchases totaling approx {$3900.00} were made. A yes/no questionnaire by a Wells Fargo XXXX XXXX XXXX me if my phone had been stolen or lost. I answered no to that as. Had my physical phone with me the whole time. I found out later that I should have answered yes because of the XXXX card highjacking. But the case can not be reopened from Wells Fargo to XXXX, so I have opened a police report. The case number is XXXX, filed with the XXXX, XXXX police dept.

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 2025-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kikoff Inc.
State: GA

Complaint narrative:
Account KIKOFF Lendin LLC # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally submit a complaint regarding inaccurate and outdated information that continues to appear on my credit report, despite a previous dispute and notification. The presence of this incorrect data is in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Specifically, I have identified the following inaccuracies : 1. Names : Multiple variations of my name are listed, some of which are misspelled or incorrect. 
XXXX. Addresses : Several addresses are reported that I have never lived at. 
XXXX. Employment : There are employers listed that I have never worked for. 
XXXX. Phone Numbers : The report includes phone numbers that do not belong to me. 
XXXX. Payment History : My payment record reflects on-time payments for XXXX, XXXX, and XXXX. However, XXXX is inaccurately marked as 90 days late, which is inconsistent and false. 

These inaccuracies are harmful and misleading. As outlined in FCRA Section 602 ( A ) and Section 607 ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports.

Furthermore, under FCRA Section 611, I previously submitted a formal dispute concerning these same issues. Despite that, the disputed items have not been corrected or removed, which constitutes a failure by the credit reporting agency to meet its obligations under the FCRA. 

I am requesting that the CFPB investigate this matter and compel the credit reporting agencies and any data furnishers involved to remove or correct the inaccurate information promptly. The continued reporting of this false information is having a negative impact on my creditworthiness and overall financial well-being. 

Please confirm receipt of this complaint and inform me of the steps being taken to resolve it. I am prepared to provide supporting documentation upon request. 

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 2025-05-22 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: MS

Complaint narrative:
I wrote Experian a letter a month ago about giving me a original contract NOT what someone sent them they wrote back stating that it was verifiable which that was NOT correct they didn't do an investigation they went off XXXX, XXXX XXXX instead of doing their own I don't have no contract with PROCOLLECT, and my signatures are not with them either I don't have a LEASE AGREEMENT WITH EXPERIAN OR 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 2025-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Im disputing the information in this FTC complaint, as it appears on my credit profile, I would like validation of the debt to prove it belongs to me XXXX XXXX. If the debt cant be validated, I would like the debt to be removed from my credit report. Please note Validation is NOT verification

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 2025-05-22 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-22 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've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.|

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 2025-05-22 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to express my deep concern regarding a serious issue I encountered with PayPals dispute resolution system, which I believe reflects a fundamental flaw in their process and poses a risk to both consumers and sellers.

A dispute was opened against me on PayPal by a buyer whom I do not know and to whom I did not provide any product or service. There was no shipment, no tracking number, and no documents indicating any actual order or transaction between me and the buyer. Despite the fact that I did not respond to the dispute or submit any supporting documents, PayPal closed the dispute in my favor.

This decision is deeply troubling. How can PayPal resolve the case in favor of the seller when no service or product was provided to the buyer? This incident highlights a serious flaw in their dispute resolution system, undermining consumer protection principles and seller accountability. It also raises questions about the integrity and transparency of their internal review process.

I respectfully request that the CFPB investigate this matter to ensure that PayPals practices are in compliance with consumer protection laws and to prevent the recurrence of such errors, which can harm both consumers and the credibility of the digital payments industry. 

Transaction Details : - Dispute ID : XXXX - Transaction ID : XXXX - Buyer Email : XXXX - My PayPal Email : XXXX - Amount : {$10.00} USD Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: NY

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 non-monetary relief
Consumer complaint received 2025-05-22 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: MA

Complaint narrative:
This late payment record is inaccurate and does not represent my consistent payment behavior. I have maintained timely payments, and I request its removal to ensure my account reflects accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: TX

Complaint narrative:
I am submitting this complaint on my own behalf regarding late payments discovered on my credit record. Despite sending letters over 30 days ago requesting validation, I have not received any response, and they have failed to provide me with satisfactory validation of these entries. This lack of response and validation has created an ongoing issue with my credit report that needs immediate resolution.

Company response to consumer: Closed with non-monetary relief