vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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: CA

Complaint narrative:
Fair and accurate credit reporting is essential to the financial system, according to the Fair Credit Reporting Act ( 15 U.S. Code 1681 ). The efficiency of the banking system is directly hampered by inaccurate credit reports, and unjust credit reporting practices erode public trust, which is necessary for the banking system to continue operating.

Therefore, the effectiveness of the banking system is hampered anytime there is a breach of the FCRA. Since I have choice over what is and is not included in my consumer report, this is a breach of my privacy. Identity theft occurs if any accounts are reported without my express written approval.

Both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 are broken by this.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I am writing to formally lodge a complaint regarding Wells Fargo 's inaccurate reporting of my account as both a repossession and a charge-off to the credit reporting agencies. This reporting is false and damaging to my credit history. I voluntarily surrendered the vehicle associated with this account to Wells Fargo, and it was subsequently sold at auction. Under the Fair Credit Reporting Act ( FCRA ) and relevant case law, Wells Fargo 's actions are both inaccurate and a misrepresentation of the facts.

Legal Basis for Complaint : FCRA Violation Inaccurate Reporting : Under 15 U.S.C. 1681s-2 ( b ), furnishers of credit information, such as Wells Fargo , are required to ensure the accuracy and completeness of the information they report. Reporting a voluntary surrender as a repossession is materially inaccurate and constitutes a breach of this duty. 

Case Law Accurate Reporting Required : In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court held that furnishers have a responsibility to provide accurate information and that misleading credit entries are grounds for dispute under the FCRA. Similarly, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, clarified that inaccurate or misleading reportingregardless of the specific wordingviolates the FCRA. 

Voluntary Surrender vs. Repossession : A voluntary surrender differs significantly from a repossession, both in procedure and implications. Wells Fargos reporting fails to make this distinction, misrepresenting the nature of the account status and harming my creditworthiness.

This should not be reporting as a Repossession nor a charge-off.

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 2025-01-13 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: FL

Complaint narrative:
( XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ) Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A collection account opened at XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ). 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: FL

Complaint narrative:
( XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ) Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A collection account opened at XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ). 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: NY

Complaint narrative:
I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

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 2025-01-13 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: FL

Complaint narrative:
Please note I have been a victim of identity theft these inquiries do not belong to me! XXXX XXXX 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 2025-01-13 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: FL

Complaint narrative:
( XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ) Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion 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 collection account opened at XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ). 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: NC

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 each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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 formally dispute inaccurate personal information currently being reported in my consumer file, as provided by your agency. Upon reviewing my credit report from annualcreditreport.com, I identified erroneous details that are incorrect and not a reflection of my personal history.

In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and my rights under the Privacy Act of 1974 ( 5 U.S.C. 552a ), I am asserting my right to challenge and dispute the inclusion of inaccurate or unauthorized information in my records. These laws protect my personal data and ensure its accuracy, relevance, and lawful use. 

The specific inaccuracies I found on my report include : Address- XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXXXXXX. That is a non-mailable address Correction : My accurate and current address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I do not authorize you to retain or report any unverified, incomplete, or incorrect address information that does not align with this. 

REMOVE the display reported XXXX of as my REQUISITE REPORTED CURRENT CORRECT COMPLETE. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated. 



I have attached documentation supporting the accuracy of the corrections requested, including a copy of my identification, proof of address, and any additional required documents. 

Under the FCRA, you are required to investigate these discrepancies within 30 days of receiving this letter. If the disputed information can not be verified, it must be promptly corrected or removed. Additionally, under the Privacy Act of 1974, I have the right to ensure my personal information is accurate, relevant, and lawfully maintained by federal and private entities. 

Once your investigation is complete, please provide me with a corrected copy of my credit report reflecting these updates. If the investigation determines that the information is accurate, I request a detailed explanation of your findings and the supporting evidence used. 

Protecting the accuracy and integrity of my credit report is of utmost importance to me. Thank you for your prompt attention to this matter. Please respond in writing with the outcome of your investigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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:
Issue # 1 - an old mortgage account is showing as late when it was not. The mortgage company in the middle of selling off the loan was still getting the payments and wasn't crediting them. We got a letter stating it was a mistake since our payments were automatic. We were told this would not hit our credit since it was their mistake Issue # 2 - there is a card showing as paid but not in full and closed. On my XXXX report it shows as in good standing, pays as agreed and closed. This is from years ago and should not be showing as paid off for less.

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 2025-01-13 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: MD

Complaint narrative:
TRANSUNION has my student loans on my report as negative and late payments. They have XXXX on there which I never owed because it was always in forbearance, and now the company isn't even operating and it's still on my credit XXXX as a late payment and that's not accurate. 

XXXX XXXX is also inaccurate as I consolidated all of my loans, and I owe nothing on the loans, this information is all inaccurate. 

XXXX is inaccurate as I have proof that I closed the account and sent over the information to them and the balance is still on my account. XXXX XXXX XXXX states that I owe them and that is also inaccurate information, it is not my account, XXXX in the amount of {$710.00} I have a medical bill on my credit that I also do not owe and have disputed and they still report it as mines. XXXX in the amount of {$830.00} The XXXXXXXX XXXX XXXX XXXX IS also all inaccurate as I have consolidated and this information is not correct on my credit XXXX Please note that these negative marks are found on my credit reports on all three credit unions including XXXX and XXXX as well. The fair credit reporting act along with the local state laws, require fairness on my reports to which they have not been fair or accurate. 

THANK YOU

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 2025-01-13 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: AZ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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:
XX/XX/XXXX Filed a complaint against XXXX XXXX with the state of NJ attorney general 's office, regarding an issue with phone installment plan ( see attached complaint ) XXXX XXXX responded to complaint and agreed to resolve ( See Attached letter ) XX/XX/XXXX XXXX reported a balance as delinquent on my Experian & XXXX credit reports . ( See attached letter ) XX/XX/XXXX filed a dispute with Experian, responded XX/XX/XXXX XXXX filed a dispute with XXXX, responded XX/XX/XXXX less than XXXX hours Clearly, you have willfully failed to investigate the disputed information as I have requested. In lieu of deleting the disputed information, you willfully failed to conduct a reasonable investigation of my dispute. 
. 
However, your excuse or assumption is not a valid reason under the FCRA to not reinvestigate my dispute. Note, you have not made any reasonable determination that my dispute was frivolous or irrelevant nor have you sent me a notice of such determination that complies with the FCRA. Furthermore, I directly disputed the completeness and/or accuracy of information contained in my consumer file as pel the FCRA. Your failure to reinvestigate is an intentional and/or negligent FCRA violation

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 2025-01-13 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: LA

Complaint narrative:
I am disputing several inaccurate and unfairly reported accounts on my TransUnion credit report. These accounts contain errors in reporting, unverifiable debts, and incorrect balances that are negatively affecting my credit score. 

XXXX. XXXX XXXX ( Charge-Off, Sold to Another Lender ) Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Issue : This account is reported as charged-off, but it was sold to another lender, meaning XXXX XXXX should no longer report it as a charge-off.

Requested Action : Remove or correct the reporting to reflect the accurate status. 
XXXX. XXXX XXXX XXXX ( Auto Loan Charge-Off, Sold to Another Lender ) Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Issue : This account was charged-off and sold, but I was not properly notified of the charge-off. It also contains incorrect balance information. 
Requested Action : Provide proof of the debt and correct or remove the account if it can not be verified. 
XXXX. XXXX XXXXXXXX XXXX ( Credit Card Charge-Off ) Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Issue : The balance history is inconsistent, and the charge-off reporting is unclear. The payment history suggests inconsistencies in late payments before the charge-off occurred. 
Requested Action : Remove or update the account with accurate payment history. 
XXXXXXXX XXXX XXXX ( Multiple Collection Agencies ) The following accounts have been sent to collection agencies, and I am requesting full validation under the Fair Debt Collection Practices Act ( FDCPA ) : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) {$740.00} ( Opened : XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) {$330.00} ( Opened : XX/XX/XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) {$100.00} ( Opened : XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) {$690.00} ( Opened : XX/XX/XXXX ) XXXX ( XXXX XXXX XXXX XXXX XXXX ) {$100.00} ( Opened : XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) {$7400.00} ( Opened : XX/XX/XXXX ) For each of these collection accounts, I am requesting proper documentation proving ownership and accuracy of the debts. If the agencies can not validate these debts with the original signed agreement and a full breakdown of the balance, these accounts must be removed from my credit report immediately, as required under the Fair Credit Reporting Act ( FCRA ) and FDCPA.

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 2025-01-13 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: FL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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