vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 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: TX

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with Equifax Information Service LLC due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX, XXXX, XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right.

Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: GA

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: TN

Complaint narrative:
The company addressed in this matter is CENTRAL PORTFOLIO CONT in regards to a fraudulent attempt to collect a debt that doesnt belong to me ( XXXX XXXX XXXX XXXX. Previously verified and removed for violations of FAIR CREDIT REPORTING ACT. 
CENTRAL PORTFOLIO CONT is currently in violation of : 15.USC 1692G 15 U.S.C 1681 section 602A states that I have the right to privacy 15 USC 1681 Section 604 A section 2 : States that a consumer reporting agency can not furnish an account without my written instructions/ compliance 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate CENTRAL PORTFOLIO CONT LLC Refuses to provide : DEBT VALIDATION, PAYMENT HISTORY, PROOF OF ORIGINAL SIGNATURE AND ACKNOWLEDGMENT BY CONSUMER REPORTED AGAINST, NO INSURANCE CLAIM PROVIDED TO COLLECT THE DEBT, NO CHAIN OF TITLE, OWNERSHIP, OR LINEAGE OF THIS SAID DEBT- collection account.

CENTRAL PORTFOLIO CONT LLC has also falsely reported a missed payment to XXXX, AND XXXX. 

CENTRAL PORTFOLIO CONT LLC- has reported dates of debt being in XXXX which is invalid, and completely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: OpenRoad Lending
State: CA

Complaint narrative:
I previously applied with Open Road Lending to refinance my car and just applied again. My credit score is well over XXXX, yet I keep getting declined without any legitimate reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Cordoba Legal Group, PLLC.
State: VA

Complaint narrative:
My problem its whit XXXXXXXX XXXX XXXX They havent answered any of my questions About incoming court day Its the XXXX of this month I need they to call me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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:
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 disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: CA

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 disputed entries.

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 2025-03-10 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: NY

Complaint narrative:
The late payment remark on my credit report is negatively affecting my FICO score, and I am requesting its removal to ensure that my credit profile accurately reflects my financial responsibility. Since payment history makes up approximately 35 % of my FICO score, it plays a critical role in determining my creditworthiness. Even a single late payment can lead to a significant decrease in my score, particularly if I have previously maintained a strong record of timely payments. 

This incorrect late payment is unfairly impacting my ability to access financial opportunities, including loan approvals and competitive interest rates. Because lenders and financial institutions heavily rely on FICO scores when assessing risk, this erroneous remark could result in increased borrowing costs or even credit denials. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to dispute inaccurate or unverified information on my credit report. If this late payment can not be substantiated or is found to be incorrect, it must be removed immediately. Additionally, I am requesting a goodwill adjustment from the creditor, as my history of responsible financial management demonstrates that this late payment does not accurately reflect my reliability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: TX

Complaint narrative:
There are discrepancies on my credit report that should not be there, and I have no association with the accounts listed. This situation is not only unjust but also deeply troubling. As outlined in the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I am entitled to a correct and fair credit report, and these inaccuracies must be rectified. I demand a thorough investigation and the immediate correction of these errors. If this issue is not resolved promptly, I will have no choice but to pursue legal action to protect my rights.

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 2025-03-10 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: SC

Complaint narrative:
I have 2 addresses on my account that arent correct, 2 accounts that doesnt have my correct name, & 1 phone number on my account that is not my phone number

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-10 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: CA

Complaint narrative:
in accordance with the fair reporting act list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.account name XXXX account XXXX  XXXX account name XXXX XXXX account XXXX XXXXXXXX account name XXXX XXXX account XXXX XXXXXXXXXXXX account name XXXX account XXXX XXXXXXXX i looked at my transunion credit report and noticed somethings are incorrect and incomplete and not accurate.and according to the fair credit reporting act.whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about the report relates according to 15 USC 1681EB and according to 1681 I ( 5 ) they are supposed to do this 5 treatment of inaccurate or unverifiable information ( A ) in generallf after any investigation under paragraph one ( 1 ) of any information disputed by a consumer any item of information is found to be inaccurate or incomplete or can not be verified the consumer agency shall ( I ) promptly delete that item of information from the file. and according to15 USC 1681 S-2 they are not supposed to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-10 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Transunion and Experian both have failed to verify or validate information, Bankruptcy courts DO NOT report or verify information, and I gave no written consent for it to be reported - i demand immediate removal XXXX XXXX XXXX has been reporting incorrectly when no debt is owed they are under Cease and Desist and has been opted out and has no written permission to report - i demand immediate removal Please provide my written authorization which is required for anything to be reported, if you do not have that on file you must remove any and all entries to authorized 1 ) Bankruptcy - XXXXXXXX XXXX XXXXXXXXXXXX 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 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kansas Counselors, Inc.
State: MO

Complaint narrative:
I was going over my credit report and noticed a fraudulent acct in which is not me. The amount is {$840.00} says it happened in XX/XX/year> ... called the company and they refused information over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patenaude & Felix A Professional Corporation
State: PA

Complaint narrative:
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : I want you to send a full details list of payment history on this account I want to see the the original signature that i agreed to on contract to pay this creditor I'm asking to see has been any insurance claim found on this debt I want to the chain of title that you have to collect this debt. Any Judgments obtained by any creditor regarding this account. 
I want to see the prove that you are license to collect debt in my state. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable.

Date of original charge off or delinquency.

Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.

Please provide the name and address of the bonding agent for ( Patenaude & Felix, A.P. ) in case legal action becomes necessary.Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. 

Best Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: LA

Complaint narrative:
I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that 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 non-monetary relief
Consumer complaint received 2025-03-10 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: FL

Complaint narrative:
I am submitting this complaint due to multiple unauthorized and inaccurate items appearing on my credit report, which violate my rights under the Fair Credit Reporting Act ( FCRA ). These items including closed account with late payments, and several accounts listed as charge-offs. The charge-off accounts listed below were reported without my consent and fail to meet FCRA standards under 15 U.S. Code 1681i and 1681e ( b ) : XXXX  ( Account # XXXX ), XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX ), XXXX  XXXX  ( Account # XXXX ), XXXX XXXX   ( Account # XXXX ), XXXX XXXX  ( Account # XXXX ), XXXX CARD ( Account # XXXX ). Closed Accounts with Late Payments The following closed accounts reflect late payment marks that unfairly harm my credit profile and fail to meet reporting standards under 15 U.S. Code 1681b and 1681c : XXXX  ( Account # XXXX ). I request an immediate investigation and removal of these items to ensure the accuracy of my credit report, as required under federal law. These inaccuracies are unfairly damaging my creditworthiness and limiting my financial opportunities. Supporting documentation, including my FTC identity theft report ( FT number XXXX ), is attached for reference. I trust you will address this matter promptly and ensure compliance with the FCRA. 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 2025-03-10 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:
I have found late payment remarks that are completely inaccurate and do not reflect my actual payment history. These errors are not only misleading but also unfairly lower my creditworthiness, making it difficult for me to access financial opportunities that I rightfully deserve. 

Some of these late payment marks appear on accounts where payments were made on time, while others may have resulted from reporting inconsistencies or clerical errors. Additionally, if the reported late payments can not be backed by verifiable documentation with clear proof of delinquency, they should not remain on my report. Under the Fair Credit Reporting Act ( FCRA ), all information reported must be fully accurate, verifiable, and free of misleading data. 

To resolve this issue, I request that all inaccurate late payment remarks be corrected and updated to reflect an accurate payment history. If the reporting companies are unable to provide solid documentation proving the legitimacy of these late payments, they must be promptly removed from my report. I expect immediate corrective action to ensure my credit file accurately represents my financial responsibility.

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 2025-03-10 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I was alerted by Wells Fargo to a suspicious charge on my chard. I immediately responded that I did not make the purchase, and Wells Fargo closed my account. The next day I saw that several other purchases were made at the same retailer without my authorization. I called Wells Fargo on XX/XX/XXXX and opened a claim stating I did not make the purchase. It seems like the retailer is a XXXX  company, called XXXX XXXX XXXX. I have never shopped with this retailer before. On XX/XX/XXXX, they called and asked if I had my card with me and if I had left the country. I confirmed that I had my card with me and I had not left the country. I got a letter stating that the charges were not fraud because I had my card present with me dated XX/XX/XXXX. However, I confirm that I did not make any of the 9 charges to XXXX XXXX XXXX. I contacted Wells Fargo again on XX/XX/XXXX and reopened the claim charge. The associate told me that the charges were not foreign charges and that it appeared my card was present for the charge. He also recommended that I provide evidence I had not left the country during the time the charges were made. I was told I need to submit this evidence by fax, and the only way for me to do that is to go to a Wells Fargo store to help fax supporting documents. I have attached here the statement showing that on XX/XX/XXXX, I had a charge for an XXXX  parking meter ( located in XXXX XXXX ), as well as the XX/XX/XXXX charges for retailer XXXX XXXX XXXX. I also have a document showing another transaction for an ice cream store based on XXXX XXXX around the time of the charges.

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 monetary relief