vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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: AZ

Complaint narrative:
I am writing to formally dispute the inaccuracies found on my consumer credit report. Upon reviewing my report, I noticed several discrepancies that violate provisions set forth in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires all information in consumer reports to be accurate and complete. The reported balance due on the account listed by each reporting agency is incorrect. This inaccurate reporting misrepresents my financial obligations and impacts my creditworthiness. Dates Account Opened, the three credit reporting agencies furnishing this information are reporting different dates for the same account. This discrepancy affects my credit history, as the length of credit accounts is a crucial factor in determining my credit score. Date Last Active : Again, the dates being reported by the credit reporting agencies ( Equifax, Experian, Transunion ) do not match as they should for each specific account. Date of Last Payment : once again, the dates reported by each reporting agency are inaccurate.This misrepresentation of my payment history has adversely affected my credit score. Under Section 605 of the Fair Credit Reporting Act ( 15 U.S.C. 1681c ), which prohibits the reporting of negative information after a specified period. While this relates primarily to the timing of derogatory marks, it underscores the importance of accurate reporting. Under this section, if the information is inaccurate, it must be corrected or removed, regardless of the reporting duration. Additionally, I have previously brought these issues to the attention of the credit bureaus without proper resolution or thorough investigation. This has not only caused ongoing damage to my credit profile but also violates my rights under the FCRA. According to the law, these inaccurate derogatory marks must be removed immediately upon verifying their inaccuracy. Furthermore, I wish to emphasize relevant case law, such as XXXX XXXX Equifax XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), which reinforces the obligation of credit reporting agencies to investigate and correct inaccuracies in consumer reports promptly. Similarly, in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ), it is clear that consumers have the right to accurate information, and failure to correct inaccuracies can lead to further injury to the consumer 's credit profile.

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 2025-04-22 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: CT

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
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom This May Concern, This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well being and seriously hurting my character.

Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this process.

By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract bearing my signature. Failing that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life.

The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : This account is listed as a collection/charged off account on my credit report but I have not received a 1099 C for this charged off debt. Can you please provide me with a 1099 C to accur
ately reflect this as a charge off for tax purposes and please update my credit report accordingly.

Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation.

I appreciate your prompt attention to this matter as these may seem like small reporting errors to you but they are serious offenses on my report when it is time to purchase a home, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. I no longer live at XXXX XXXX XXXX XXXXXXXX XXXX, so if you could please send it to the address listed below, thank you. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am formally disputing the inaccurate personal information listed in the 'employers ' section of my Equifax credit report. While XXXX XXXX XXXX is correctly listed as my current employer, Equifax is also reporting XXXX XXXX XXXX, which is incorrect and unauthorized. The presence of this inaccurate employer is misleading and may impact important decisions involving employment, housing, and credit. This violates 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure the maximum possible accuracy of reported information. I am requesting the immediate deletion of XXXX XXXX XXXX from my credit file, while retaining the accurate employer, XXXX XXXX XXXX. I expect prompt correction, written confirmation, and an updated copy of my credit report. Ongoing reporting of this inaccurate personal data will be treated as willful noncompliance under 15 U.S.C. 1681n.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: MD

Complaint narrative:
As of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX. in accordance with the far credit act of 1970, this Creditor has violated my Rights. Under 15usc1681sec602 stats I have a Right to privacy. under 15usc1681 604a sec2 stats that a consumer reporting agency can not furnish my account without my written instructions. Under 15usc1666b A creditor may not treat a payment on a credit card account under an open-end consumer as late for any reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
As of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX. in accordance with the far credit act of 1970, this Creditor has violated my Rights. Under 15usc1681sec602 stats I have a Right to privacy. under 15usc1681 604a sec2 stats that a consumer reporting agency can not furnish my account without my written instructions. Under 15usc1666b A creditor may not treat a payment on a credit card account under an open-end consumer as late for any reason.

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 2025-04-22 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: Credit Fresh Holdings Inc
State: TX

Complaint narrative:
This complaint is a continuation of complaint # XXXX. The company has failed to comply with mail-only communication and has violated FDCPA and FCRA provisions. 

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TX XXXX XX/XX/XXXX To Whom It May Concern, Consumer Financial Protection Bureau RE : Rebuttal to CreditFreshs Response CFPB Case # XXXX Acct # XXXX I am submitting this rebuttal to the response provided by CreditFresh on behalf of XXXX XXXX XXXX . Their claims regarding debt validation, electronic consent, and credit reporting are inaccurate, misleading, and not in compliance with consumer protection laws.

1. * * Invalid Electronic Signature * * CreditFresh claims my entry of the last four digits of my SSN constitutes a valid electronic signature. Under the E-SIGN Act ( 15 U.S.C. 7001 ), this is not valid without clear and conspicuous disclosure, the right to withdraw consent, and documented acknowledgment. None of this was provided to me, and I did not knowingly sign or consent under proper legal standards.

2. * * Contradictory Contract Terms * * The agreement itself states : This agreement may not be signed by you, and also claims they can transfer rights without notice or consent. These statements contradict their claim of a signed agreement and violate basic contract law requiring mutual consent.

3. * * Improper Assignment Without Notice * * The ability to transfer the agreement without notifying me or gaining my consent violates due process, and in Texas, may also breach Texas Finance Code 392.304 regarding deceptive and misleading business practices.

4. * * Improper and Disputed Credit Reporting * * The continued reporting of an unvalidated and disputed debt violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). This debt remains in formal dispute and must be reflected as such across all credit bureaus.

5. * * Refusal to Communicate via Mail Only * * I explicitly requested written communication by XXXX Mail only. Email responses and attempts to verify my identity digitally after this request violate my rights under the FDCPA ( 15 U.S.C. 1692c ).

Because of these violations, I am requesting that the CFPB continue to investigate this matter. I also request that CreditFresh and XXXX XXXX XXXX be held accountable for : - Failing to properly validate the debt - Attempting to use deceptive contract terms- Ignoring cease-and-desist and mail-only requests - Illegally reporting the account to credit bureaus I reserve the right to pursue legal action, including FDCPA statutory damages of up to {$1000.00} per violation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
b'I would like to delete information due to ID theft'

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 2025-04-22 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: IL

Complaint narrative:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit reporting agency to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or remove the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Having issues with Experian.com. This website has done a terrible job of maintaining my connected accounts. They constantly disconnect automatically. I also believe this is in relation to the extreme changes in my credit score. I maintain perfect payments with all my creditors and there's no excuse as to why my accounts can not remain properly connected.

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 2025-04-22 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
National credit adjusters continues place a collection on my credit report. The colle ton is on my credit report twice XXXX for {$300.00} and another for {$310.00}. This account does not belong to me and I am a victim of identity theft. This was taken off of my credit report and put back on

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XXXX XXXX, 2025, I discovered five unauthorized hard inquiries on my credit report from the following financial institutions : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX ( XXXX ). I did not apply for credit, authorize, or give permission to any of these entities to access my credit file. These inquiries were made without my knowledge or consent, constituting a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1692c of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits unlawful or unpermitted communication.

These unauthorized inquiries have negatively affected my credit profile and may have resulted from identity theft or internal error. I have filed this complaint to demand a formal investigation and the immediate removal of these inquiries. I am also submitting a formal FTC report and will escalate to legal action if these violations are not addressed and resolved promptly. 

UNKNOWN ADDRESS : XXXX XXXX XXXX # XXXX, XXXX XXXX, KS XXXX I am exercising my rights under the Fair Credit Reporting Act, 15 U.S. Code 1681i ( a ), 1681b, 1681c2, and 1681g ( a ) ( 1 ) to request the immediate deletion of the unauthorized address at XXXX XXXX XXXX # XXXX, XXXX XXXX, KS XXXX. This address is neither accurate nor associated with my residence history, and its continued presence violates my rights under federal law.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Company : Affirm , Inc . 
Loan Name : XXXX XXXX I am filing a formal complaint against Affirm , Inc. regarding inaccurate credit reporting on the XXXX XXXXl XXXX  account. 

Affirm reported a 30-day late payment in XX/XX/scrub> 2024 to XXXX, even though : A payment was made on XX/XX/scrub> 2024, and A payment deferral was granted earlier on XX/XX/year>2024 The account is listed as being in forbearance, and no payment due date for XXXX was missed by 30 days. 

This violates the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ), which requires data furnishers to report only accurate and complete information.

Despite submitting disputes, Affirm has not corrected the error and the inaccurate 30-day delinquency remains on my credit report. 

I am requesting that Affirm : 1. Immediately remove the 30-day late mark for XX/XX/scrub> 2024 2. Confirm in writing that the correction has been submitted to XXXX and any other reporting bureaus If unresolved, I will file additional reports with the FTC and seek legal recourse for violations under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: NJ

Complaint narrative:
Hello, I went out with my friends back in XXXX. We had a night out and I saw the there was a {$120.00} charge. I absolutely have no memory of spending that much at the premises the only drink I had was a couple of drinks. I asked Wells Fargo to reach out to me by email if they needed to talk to me regarding the process but it never happened. In the end, I was simply told that my dispute case was denied by email. This premise never issued me a receipt nor did they care to do so as long as I remember. I truly believe that I was overcharged and I wish that the bank would look into this again because I think it's very unfair that I'd have to pay {$120.00} for a drink. I'm attaching my statement to prove that It doesn't make sense that first drink was {$22.00} then it became {$130.00} all of a sudden when I was having my second drink... If it was their mistake, then I must have been charged for someone else 's drink. Whatever the reason is, I'm not responsible for this charge, so again, I want the bank to look into it again.

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 2025-04-22 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: MD

Complaint narrative:
I was late paying a monthly balance of {$80.00}, and my car was repossessed. I was forced to pay {$1200.00} in cash to recover the vehicle. This amount does not appear on my payment history to the company. My current account statement shows they are charging me {$190.00} again for the car 's repossession. My account shows a new debt of {$1100.00} when the monthly payment is {$480.00}. If I don't pay the {$1100.00}, I will have to pay a penalty of {$25.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief