vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Multiple harassing phone calls, texts, and now mail from XXXX XXXX XXXX XXXX. 

They are trying to collect a debt of {$1200.00}, originating with Wells Fargo ( account number XXXX ). I've had no dealings with Wells Fargo in more than twenty years. Further, the greeting on the most recent letter includes the masked SSN ending in XXXX, which is not mine. 

Repeated attempts to tell the they have the incorrect information have apparently been ignored, and repeated calls to the phone number listed on the mail, ( XXXX ) XXXX, go unanswered and when it goes to voicemail it says the mailbox is no longer able to receive messages. 

Company info is listed in the footer of the paper as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, MI XXXX Main : ( XXXX ) XXXX Hour ( sic ) of operations Mon - Thurs XXXX XXXX  XXXX EST., Fri XXXX XXXX  XXXX XXXX EST

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Details of the Complaint : I am submitting this complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) in connection with a disputed collection account reported by National Credit Systems ( Account # XXXX ). 

Background : Original Creditor : XXXX XXXX XXXX XXXX : National Credit Systems XXXX  Account # : XXXX Amount : {$2900.00} Opened : XX/XX/XXXX Status : Collection On Record Until : XX/XX/XXXX Report Number Provided by XXXX  : XXXX Spoke with XXXX  Agents on : XX/XX/XXXX : Told by XXXX  that this account would be deleted within XXXX hours XX/XX/XXXX : Called again and was told that account XXXX was not deleted, but rather a completely different XXXX account ( ending in XXXX ) was removed instead Spoke with representative " XXXX '' Reference # : XXXX Why This is a Violation : XXXX  provided misleading and inaccurate information by confirming deletion of account # XXXX, then later claiming a different account was involveddespite me clearly identifying the account, the amount, and verifying the information over the phone. 
I never requested an investigation into any XXXX account other than # XXXX over the phone. Yet, XXXX  system shows an investigation was completed and removed for the wrong account. 
XXXX  now claims that account # XXXX can not be removed because it is not yet 7 years old, which is false. 
The account opened on XX/XX/XXXX, and according to FCRA guidelines ( Section 605 ( a ) ( 4 ) ), collections must be removed after 7 years from the date of the original delinquency, which would reasonably be around XX/XX/XXXX to mid-XXXX, not XXXX. 
The account is therefore eligible for removal no later than XX/XX/XXXX, and the fact that it was first delinquent in mid-XXXX supports removal eligibility now, especially considering reporting errors and the conflicting information given. 
The account is marked with repeated " Invalid date '' entries, suggesting improper handling of reporting data. This directly conflicts with FCRA requirements under 15 U.S.C. 1681e ( b ) to maintain accurate and up-to-date consumer data. 
I have previously disputed this account multiple times, and XXXX  has failed to provide evidence verifying my legal obligation to this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
Account Credit Collection Serv # 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 or I will have to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: OH

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report.

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items.

The identity of the entity or entities responsible for conducting the verification process.

Any documentation or evidence used to substantiate the accuracy of the disputed items.

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2025-06-18 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: OH

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report.

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items.

The identity of the entity or entities responsible for conducting the verification process.

Any documentation or evidence used to substantiate the accuracy of the disputed items.

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Nationwide Capital Services, LLC
State: NV

Complaint narrative:
On XX/XX/XXXX, Structured Settlement ( XXXX XXXX ) emailed me from XXXX, claiming I owe {$930.00} ( ID # XXXX ) from XXXX XXXX XXXX XXXX XXXX They violated FDCPA by : ( 1 ) demanding my mother pay {$690.00} or {$930.00} without authorization, saying I should take a mile from her ( Section 806 ) ; ( 2 ) refusing to provide the contract verbally, claiming I already seen it when I hadnt ( Section 809 ) ; ( 3 ) contacting my ex-husband, XXXX XXXX XXXX, and his mother without permission ( Section 805 ( b ) ) ; ( 4 ) asserting an unverified garnishment and misidentifying my vehicle as a XXXX XXXX ( I own a XXXX XXXX XXXX ) ( Section 807 ) ; ( 5 ) using a misleading Processing Group sender ( Section 807 ) ; and ( 6 ) evading their address request on XX/XX/XXXX, which is a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, NV XXXX ). XXXX mispronounced Nevada, suggesting non-local operation. Im the custodial parent owed child support by XXXX, not the debtor. I sent a certified letter on XX/XX/XXXX, demanding validation and cessation, but their actions continue. Im verifying their license with the Nevada 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 2025-06-18 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: OH

Complaint narrative:
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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 OH XXXX INQUIRIES : XXXX  Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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:
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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 XXXXXXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$420.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$310.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$23000.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PROVIDENT FUNDING ASSOCIATES
State: IN

Complaint narrative:
My loan was purchased by a mortgage company called Provident funding. I do not like this company and do not want to continue them as my mortgage lender. They do not accept credit cards for payment, they do not accept debit cards for payment, they do not allow partial payments, they do not allow by annual payments, and they do not Just charge what my escrow balances for taxes. They keep asking for more money I have over {$1000.00} in my escrow and my fall taxes arent even due yet I asked and complained about this and I was told us their policies that is not good enough for consumers and if a company is not gon na provide Convenient ways for people to pay, especially a credit card in case of hard times and if theyre gon na overcharge for taxes that should be illegal. Its not acceptable for the tax assessor to overcharge on property and if they do, they have to refund your money. Mortgage company should not be allowed to over Charge on taxes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: AR

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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 2025-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Over a year ago, I voluntarily surrendered my vehicle to your company. At the time, I had no further access to or control over the vehicle due to my subsequent incarceration. Despite this, I have been informed that the vehicle remained uncollected on private property for nearly a year before any action was taken.

This delay appears to be a failure to exercise timely repossession and disposition of the vehicle, violating your responsibilities under UCC 9-610 and 9-611, which require that a secured party act in a commercially reasonable manner and within a reasonable timeframe. Instead, I have been notified of an additional {$10000.00} in fees, which appear to have been incurred solely due to your companys inaction.

If you failed to take possession of the vehicle or sell it in a commercially reasonable manner, these excessive charges may be unlawful and are hereby disputed.

I am requesting : A full, itemized breakdown of the fees and interest added since the date of surrender Documentation of all notices sent to me, including intent to repossess or sell the vehicle Confirmation of the vehicles status, including date of retrieval and sale 2. Violation of FDCPA : Unauthorized Third-Party Disclosure I have also been informed that your company or a representative disclosed my {$30000.00} outstanding debt balance to the private property owner where the vehicle was located. I did not authorize this disclosure in any form, written or otherwise.

This is a direct violation of the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( b ), which strictly prohibits communication of a debt to any third party without the consumers prior consent. Discussing or revealing any debt information to someone other than me or my attorney is a clear breach of federal law.

I am demanding that your company : Immediately investigate and confirm whether this disclosure occurred Identify the representative ( s ) responsible for this communication Issue a formal written apology and corrective action Cease all collection activity until this matter is resolved If this matter is not addressed promptly, I will pursue all available remedies, including filing additional complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The Pennsylvania Attorney Generals Consumer Protection Division A civil lawsuit under FDCPA, which allows for statutory and actual damages, plus attorneys fees

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made. 

I have reviewed my credit report and found inaccurate information. I request that you help me dispute these inaccurate information I have included in the letter I attach to this complaint. The letter contains my intention to investigate each items and how I would like them to conduct investigation and provide me proof how they look into these accounts in error listed on my credit report. I have also attached my credit report for your reference to investigate. I need them to delete and block these inaccurate accounts from reflecting on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : 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, GA XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$440.00}

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 2025-06-18 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 did not authorize the following inquiries according to FCRA section 604 ( c ) ( 1 ) ( a ).

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 2025-06-18 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: IL

Complaint narrative:
I submitted formal disputes to all three credit bureaus ( Experian, Equifax, and TransUnion ) regarding several inaccurate collection accounts on my credit report. I included all required documentation to support my claims, including proof of payment, identification, and explanations for the disputes. 

In addition to the account disputes, I also requested the removal of outdated personal information, including old addresses, phone numbers, and email addresses that are no longer associated with me. 

Despite my efforts, none of the information was corrected. The credit bureaus left all the collection accounts unchanged and failed to remove the outdated personal information from my credit file. I was not given any clear explanation or evidence that a proper investigation was conducted as required by the Fair Credit Reporting Act ( FCRA ). 

I am requesting that the credit bureaus : Reinvestigate the disputed collection accounts, Provide verification and documentation from the furnishers, Remove or correct any unverifiable or inaccurate items, And update my personal information to reflect only my current and accurate contact details. 

This ongoing inaccuracy is harming my credit and preventing me from moving forward financially.

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