vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX SS #, XXXX This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the XXXX  Experian , and XXXX  credit reporting agency . I request that you ( CFPB ) 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. 



In accordance with the Fair Credit Reporting act, a inaccurate a hard inquiry from XXXX XXXX XXXX on XX/XX/XXXX, hard inquiry from XXXX XX/XX/XXXX, an auto loan from XXXX the loan was already removed from my credit report due to identity fraud! In accurate late payments showing up on my account from XXXX Also a sign of identity fraud. All the accounts are falsely on my Experian, XXXX XXXX and XXXX  consumer credit profile. I would like these accounts deleted with in 4 days of receiving this complaint.a Whew ugh XXXX 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 st
ates a consumer reporting agett onto ncy can not furnish a account without my written instructions

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 2025-04-28 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, XXXX  XXXX TransUnion credit report on XX/XX/year> and noticed some things are 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 whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 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 2025-04-28 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 am writing to formally dispute the accuracy and handling of my personal and educational records maintained by XXXXXXXX XXXX XXXX This dispute is submitted pursuant to my rights under the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g, and the Gramm-Leach-Bliley Act, 15 U.S.C. 6801, which collectively protect the confidentiality, accuracy, and security of personally identifiable information. 
Specifically, I dispute the following : ( XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ) Under FERPA, I am entitled to request the amendment of records that I believe are inaccurate, misleading, or in violation of my privacy rights. Additionally, under 15 U.S.C. 6801, your institution is required to ensure the protection of sensitive information, including safeguards against unauthorized access or misuse.

I respectfully request the following : A formal investigation and correction of the disputed information. 
A written statement of findings and any amendments made. 
Assurance that my rights under FERPA and federal privacy laws have been upheld.

Please respond within a reasonable time frame, as required by law. Should this matter not be resolved satisfactorily, I am prepared to file a formal complaint with the U.S. Department of Education and other relevant agencies. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: GA

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 2025-04-28 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: GA

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 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 2025-04-28 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: MI

Complaint narrative:
I am writing to request a investigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : XXXXXXXX XXXX XXXXXXXX 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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Reliant Capital Solutions, LLC
State: MO

Complaint narrative:
I am filing a complaint regarding an alleged debt and attempting to collect and report on my consumer credit reports. 

I submitted a formal dispute and validation request under the Fair Debt Collection Practices Act ( FDCPA ), Regulation F ( 12 CFR 1006.34 ), and the Fair Credit Reporting Act ( FCRA ). I requested full validation of the alleged debt, including ownership documentation, itemized accounting, and confirmation of whether the debt was ever securitized. 

Despite my request they have continued to report the alleged debt to the credit bureaus without providing the legally required validation and documentation. 

I am requesting that the CFPB intervene to ensure they complies with all federal regulations by either fully validating the debt with proper documentation or immediately ceasing collection and removing the inaccurate reporting from my credit files. 

Additionally, I have notified them that failure to comply will result in legal action for violations of the FDCPA, FCRA, and Regulation F.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: IN

Complaint narrative:
I have made phone calls and several request to have these removed due to the data breach both with eqifax and experian I have disputes with many things, I have filed the approprite documents to as proof of the Identiidy theft such as the document from IRS / FCC which I will submit to you as well.

I have filed with Social Security to prevent the use of my social security for employment and other issues as well.

This breech has cause much stress and chaos from this theft I have reported collections that I am not owed due to I do not have a contract with the said companys becuase the orginal debtor has written them off in tax purpose USC code 1666/166b As well any previous hard inquiries due to ensure my protection in the future.

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am 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 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 2025-04-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
I recently reviewed my credit reports and was shocked to find a collection account from National Credit Systems for an alleged lease debt. I am formally disputing this collection, as I do not recognize the debt. The apartment was left in better condition than when we moved in including wall to wall cleaning and removal of all trash and personal effects. No damage was done to this apartment and the deposit was applied to the rental balance and we paid the rest for XXXX due when we moved out. When I vacated the apartment, there was no balance due as we paid the amount due. Furthermore, I have never received any communicationwhether by phone, text, email, or mailregarding this alleged debt. The lack of prior notification raises significant concerns regarding the validity and accuracy of this account. This erroneous reporting has caused difficulties in securing credit and is directly impacting my ability to obtain a home loan. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you immediately remove this collection account from all credit reporting agencies and cease any further collection efforts regarding this disputed debt. Please provide written confirmation of the actions taken in response to this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: NC

Complaint narrative:
I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that tXXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
Starting XX/XX/scrub>XXXX XXXX I have been making car loan payments. The original loan amount was {$25000.00} with an interest rate of 15.14 %. Actions done was continue paying for the loan.

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 2025-04-28 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: FIRST NATIONAL BANK OF OMAHA
State: MI

Complaint narrative:
I am writing to formally dispute the reporting and management of my account with FNB Omaha as it currently appears on my credit reports with XXXX XXXX XXXX XXXX 

After reviewing my credit files, I have identified serious inaccuracies, inconsistencies, and harmful reporting practices that violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically : Violations Identified : 1. Inconsistent Balance Reporting : {$2900.00} is reported to XXXX XXXX XXXX ; {$2800.00} is reported to XXXX

Under the FCRA, balances must be accurately and consistently reported across consumer reporting agencies. 
2. Inconsistent Last Activity Dates : XXXX XXXX XXXX  report XX/XX/scrub>XXXX while XXXX reports XX/XX/year>XXXX 
Differing last activity dates artificially manipulate credit scoring models and mislead future creditors. 
3. Conflicting Payment History Reporting : Payment history is not reported uniformly across the bureaus, with multiple NR ( Not Reported ) gaps at XXXX compared to consistent OK marks elsewhere.

Payment history must be fully and consistently reported under the FCRA.

4. Inconsistent Credit Utilization Reporting : Utilization rates are reported at 100 % on some bureaus and 94 % on others, creating misleading impressions of my debt-to-credit ratio.

Resulting Harm : These violations have caused : Damage to my credit scores, Denial of credit opportunities, Higher interest rates, Emotional distress and reputational harm.

As such, these violations entitle me to seek remedies under 15 U.S.C. 1681n and 1681o for statutory damages, actual damages, punitive damages, and attorneys fees if necessary.

Formal Demands : 1. Balance Adjustment : I demand that the current outstanding balance of [ {$2900.00} or current amount ] be adjusted to {$0.00} immediately.

2. Retention of Open Account Status : I demand that this credit card account remain open and active with no derogatory reporting, no account closure, and no adverse changes to the accounts good standing after the balance adjustment is made. 
3. Monetary Compensation : I demand monetary compensation of {$5000.00} to resolve the damages sustained as a result of the reporting violations.

4. Written Confirmation : I require written confirmation of the zero balance adjustment, open account status retention, and resolution of my dispute within 15 calendar days of your receipt of this letter.

If you fail to respond appropriately or correct these violations, I am fully prepared to escalate this matter by : Filing formal complaints with the Federal Trade Commission ( FTC ), and my State Attorney General ; Initiating a lawsuit for statutory, actual, and punitive damages under the FCRA.

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 2025-04-28 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: CA

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an accOunt for which have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX, Account Number : XXXX l request a thorough investigation into these discrepancies and urge you to provide evidence such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, Idemand that these payments be promptly updated to reflect their true status as on-time. as l have consistently upheld my payment obligations without delay

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/year>, Lobel Financial Corp reported a XXXX late payment on my auto loan account. 
However, my vehicle had been declared a total loss after an accident, and during that period, the insurance company was processing the payment to settle the loan balance. 

I was not delinquent and did not miss any payments intentionally. 

After a dispute, XXXX  completed an investigation and corrected my report to show Paid, Closed/Never Late, confirming that no late payment occurred. 

I am attaching : The XXXX  dispute resolution confirming the correction. 
The Total Loss Settlement Letter from XXXX XXXX. 

I respectfully request the removal of the inaccurate late payment from my XXXXXXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: IN

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2025-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I reported an unauthorized transaction on my Wells Fargo account. Wells Fargo denied my claim XXXX without providing sufficient evidence that i authorized the transaction. i requested specific proof ( such as IP addresses, device ID 's, time stamps, or location data ), and Wells Fargo stated that they will send a letter within XXXX days, but my claim was already denied without those documents. 

The XXXX time I followed up, I did not receive a letter after a week so I called and I was told it was denied over the phone. The representative in the claims department who assisted me was named 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 2025-04-28 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: GA

Complaint narrative:
I am submitting a formal complaint because the credit reporting agency failed to properly investigate and remove accounts related to identity theft from my credit file. I submitted a valid FTC Identity Theft Report, supporting documentation, and disputes identifying multiple fraudulent accounts. Despite this, the agency continues to report inaccurate, fraudulent information in violation of the Fair Credit Reporting Act ( FCRA ). Additionally, some previously removed items are still being reported by third parties. I am requesting immediate deletion of all accounts identified in my identity theft filing, correction of my credit file to reflect accurate information, and an updated investigation in full compliance with the FCRA. I am also requesting that all outdated addresses and unauthorized inquiries tied to the fraud be removed from my file. 
The following fraudulent accounts are still inaccurately reporting : XXXX XXXX XXXXXXXX XXXX XXXX - Dismissal in court with prejudice attached The accounts are listed in the FTC Identity Theft Report, which is attached to this complaint. Despite my prior disputes, the credit bureaus and/or collectors have failed to remove these inaccurate items. 

I request the immediate deletion of all fraudulent accounts listed in the attached FTC Identity Theft Report and the correction of my credit file in accordance with the Fair Credit Reporting Act ( FCRA ). 

I respectfully demand a full investigation and permanent deletion of these fraudulent accounts, as well as written confirmation when complete.

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I have many inquiries on my credit report that I did not make and someone else did using my information on XX/XX/year>2025 for ONEMAIN finance, XXXX XXXX XXXX 2025, XXXX XX/XX/scrub> 2025, XXXX XX/XX/year>2025 all of these were not made by me and it is identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: SC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief