vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-22 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ALLY FINANCIAL INC.
State: OH

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 ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I submitted a dispute to Equifax about a XXXX XXXX account that is being reported as a secured loan. I specifically requested verification of the collateral used to secure the loan. Equifax did not provide this documentation. Instead, they simply updated unrelated fields and left the secured classification unchanged. 

Under the Fair Credit Reporting Act ( FCRA ), Equifax is obligated to conduct a reasonable investigation and verify the accuracy of reported information. Reporting an account as secured without proof of collateral is misleading and potentially inaccurate. This account has been reporting as secured for several years without verification. 

I am requesting that this account be removed entirely if the furnisher can not provide proof of a secured agreement. This complaint is submitted solely to correct inaccurate credit reporting and should not be seen as acknowledgment of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
From : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Dear CFPB I am disputing a duplicate and inaccurate account entry appearing on my credit report. Below are the details : Creditor : XXXX Account Status : Charge-Off ( Transferred ) Balance : {$0.00} Credit Limit : {$700.00} Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX This same account is reported twice, which violates 15 U.S.C. 1681 under the Fair Credit Reporting Act ( FCRA ). I request the immediate deletion of one or both entries for the following reasons : Duplicate Reporting ( FCRA 623 Violation ) The credit bureaus can not report the same account multiple times under different entries, as this negatively impacts my credit score unfairly.

Unverifiable Debt ( FCRA 609 Violation ) If XXXX can not provide a signed credit agreement, full payment history, and proof that both accounts are legitimate, one or both must be removed.

Potential Identity Theft & Consumer Data Breach Due to security issues with Equifax and XXXX, I demand verification that these are not fraudulent duplicates. 
Failure to Correct Per FACTA ( 15 U.S.C. 1681c-1 ) If this duplicate reporting is not corrected, it may be grounds for further legal action.

Per FCRA regulations, you have 30 days to investigate and correct this matter. If this error can not be verified, both entries must be deleted from my credit report. 

Please send a written confirmation of the investigation results to my address. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD 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 2025-03-22 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: MD

Complaint narrative:
Subject : Formal Dispute Request Inaccurate & Unverifiable Account Reporting To : [ Credit Bureau XXXX ] From : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Dear CFPB, I am writing to formally dispute an inaccurate and unverifiable auto loan account listed on my credit report. Below are the details of the account in question : Creditor : XXXX XXXX XXXX Account Status : Charged-Off Balance : {$12000.00} Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX This account is being reported inaccurately, violating XXXX XXXX. XXXX of the Fair Credit Reporting Act ( FCRA ). I am requesting the complete deletion of this account for the following reasons : Lack of Proper Documentation ( XXXX FCRA ) Please provide a copy of my signed contract and full payment history to validate this debt. If you can not verify, this must be deleted. 
Inaccurate and Incomplete Reporting ( XXXX FCRA ) The missing highest balance and payment terms violate federal accuracy requirements. 
Potential XXXX XXXX of Limitations ( Maryland XXXX ) This debt XXXX be beyond legal collection timeframe, meaning it should be removed from my credit report. 
XXXX XXXX XXXX The reporting contradicts the last payment date, and if this debt was sold, XXXX should not report an active balance. 
Per FCRA regulations, you have 30 days to investigate and correct this matter. If the account can not be verified, please remove it entirely from my credit report. 

Please send a written confirmation of the results of this investigation to my address. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD 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 2025-03-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
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.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX 2025 Subject : Dispute of Inaccurate Information on My Credit Report Dear CFPB, I am writing to formally dispute inaccurate information on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA )..

According to 15 U.S. Code 1681o, consumer reporting agencies and entities that furnish inaccurate credit information may be held liable for willful or negligent noncompliance with the FCRA. The continued reporting of this inaccurate information is causing undue harm to my credit standing, and failure to correct it may result in legal action.

I request that the inaccurate information be removed or corrected immediately.

Please investigate this matter and provide written confirmation of the resolution. Under the FCRA, you are required to complete this investigation within 30 days. If this matter is not resolved appropriately, I will explore my legal options, including seeking damages for noncompliance.

Thank you for your prompt attention to this matter. Please send a written response to the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: AR

Complaint narrative:
This inquiry was made without my consent ; I did not interact with the lender on that date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
USAA is committing wrongful interference with property, and violations of consumer protection laws such as the EFTA or UCC Article 4A.

There are a number of damages this has caused : Direct Financial Losses hold caused missed payments ( e.g., mortgage, business expenses, penalties, and late fees.

Consequential Damages delay resulted in significant financial harm and credit implications Emotional Distress situation caused severe anxiety, stress, or reputational damage ; non-economic damages Punitive Damages the bank acted in bad faith or engaged in deceptive practices by leading me to believe freeze could be lifted if I withdrew dispute ( recorded call with officer of CEO rep )

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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, 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. Please remove the following items from my credit report, immediately : Experian ***** XXXX XXXX XXXX Account information : XXXX Date opened : XX/XX/XXXX Balance : {$18000.00} XXXX Account information XXXX Date opened : XX/XX/XXXX Balance : {$9700.00} XXXX Account information : XXXX Date opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX  account information XXXX Dates opened : XX/XX/XXXX Balance : {$1000.00} TransUnionXXXX XXXX XXXX XXXX Account information : XXXX Date opened XX/XX/XXXX Balance : {$18000.00} XXXX Account information : XXXX Date opened : XX/XX/XXXX Balance : {$9700.00} XXXX Account information : XXXX Date opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX  Account information : XXXX Date opened : Date opened : XX/XX/XXXX Balance {$1000.00} Equifax***** XXXX XXXX XXXX Account XXXX : XXXX Date opened : XX/XX/XXXX Balance : {$18000.00} XXXX XXXX Account information XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX Account information : XXXX Date opened : XX/XX/XXXX Balance : {$9700.00} XXXX XXXX Account information:XXXX Date opened : XX/XX/XXXX Balance : {$1000.00}

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 2025-03-22 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: NJ

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, 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. Please remove the following items from my credit report, immediately : Experian ***** XXXX XXXX XXXX Account information : XXXX Date opened : XX/XX/XXXX Balance : {$18000.00} XXXX Account information XXXX Date opened : XX/XX/XXXX Balance : {$9700.00} XXXX Account information : XXXX Date opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX  account information XXXX Dates opened : XX/XX/XXXX Balance : {$1000.00} TransUnionXXXX XXXX XXXX XXXX Account information : XXXX Date opened XX/XX/XXXX Balance : {$18000.00} XXXX Account information : XXXX Date opened : XX/XX/XXXX Balance : {$9700.00} XXXX Account information : XXXX Date opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX  Account information : XXXX Date opened : Date opened : XX/XX/XXXX Balance {$1000.00} Equifax***** XXXX XXXX XXXX Account XXXX : XXXX Date opened : XX/XX/XXXX Balance : {$18000.00} XXXX XXXX Account information XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX Account information : XXXX Date opened : XX/XX/XXXX Balance : {$9700.00} XXXX XXXX Account information:XXXX Date opened : XX/XX/XXXX Balance : {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/scrub> 2025, at approximately XXXX XXXX  I was victimized in a " XXXX XXXX XXXX' at the Wells Fargo ATM located at XXXX XXXX XXXX. This ATM is positioned at the back of the building in an isolated area with no witnesses or security measures beyond the ATM camera. 

After completing my transaction, a man approached me claiming to be a French tourist needing help with a XXXX XXXX check deposit. He demonstrated he couldn't deposit it himself, then escalated pressure on me. As a small woman alone in this isolated location, I became fearful for my safety as he became increasingly insistent and invaded my personal space. 

Under duress and fearing for my safety, I inputted my card and PIN. The man then : -Took complete control of the ATM transaction -Deposited a fraudulent XXXX XXXX XXXX XXXX -Immediately withdrew {$1000.00} cash -Quickly fled in a silver vehicle I immediately reported the incident to Wells Fargo and filed a police report ( case # [ POLICE CASE NUMBER ] ). Wells Fargo later determined the check was fraudulent and removed the {$1000.00} from my account, making me bear the financial loss despite being victimized. 

Despite multiple communications ( on XX/XX/XXXX, XXXX, XXXX, and XXXX ) and escalations with Wells Fargo ( case # XXXX ), they denied my claim stating I " authorized '' the transaction by inputting my PIN. They refused to acknowledge : -The transaction occurred under duress -The entire transaction was conducted by the perpetrator ( visible on security footage ) -Their ATM 's isolated location creates a dangerous environment -The obvious timing of deposit and immediate withdrawal indicates fraud The bank ignored that their security camera footage would clearly show the perpetrator controlling the ATM. When I requested this footage on XX/XX/XXXX, I was told only police could request it. 

This incident highlights serious security deficiencies in both Wells Fargo 's ATM placement and fraud resolution processes.

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 2025-03-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
KOHLS STORE CARD WAS OPENED ON XX/XX/XXXX. 
I NEVER HAVE SHOPPED OR OPENED A CREDIT CARD WITH KOHLS STORE. 

THE KOHLS STORE CARD WAS CLOSED BY CREDITOR XX/XX/XXXX THIS KOHLS CARD WAS NOT APPLIED BY ME NOR USED BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: PA

Complaint narrative:
I am resending this complaint to TRANSUNION regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

I request that these accounts be completely removed from my credit report. Please take immediate action to delete it. 

XXXX XXXX Balance Owed : {$55.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/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 2025-03-22 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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