vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX Credit Bureau refuse to remove disputed late payments off my credit report although I have repeatedly given them proof and bank statements that showed my creditors were paid on time in the month of question. Also, the utilization on my credit usage shows 89 % even though most of my credit cards all are paid off. XXXX has harmed and damaged my credit preventing me from improving my status with new creditors and they show a much lower score XXXX compared to the other credit bureaus. XXXX and XXXX shows a score of XXXX and utilization credit usage of 26 % and XXXX lates in which these XXXX bureaus removed the incorrect lates during my dispute with no problem or proof against my creditors. Also, there are inquiries placed on my report that I have not authorized on the XXXX report but they claim is out of their hands ; I must it handle myself.

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 2025-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This debt does not belong to me and is a result of identity theft. I have reviewed my records and confirm that I have no association with this account. I have not authorized any transactions or agreements related to this debt, and I believe that my personal information has been compromised. I repeatedly requested information from the company as in signed contracts etc by me and it was sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: VA

Complaint narrative:
My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These incorrect records are unfairly lowering my credit score, and I refuse to accept this damage to my financial reputation. 

The following late payment remarks require immediate correction : Late Payment ( XXXX XXXX  ) Company Name : XXXX  - Account # : XXXX I have diligently maintained my financial responsibilities, yet these errors continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errorsany further delay will be seen as deliberate negligence.

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 2025-03-21 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: AZ

Complaint narrative:
I submitted this complaint to update this suspicious information. The Credit Bureau must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX Balance : {$270.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: OK

Complaint narrative:
When I first looked at the immediate payback chart the company provided me it seemed straight forward. It was only after signing the loan agreement that I noticed the company was charging much more than initially stated. I feel like this loan is a preditory type loan and the company intentionally doesn't make you immediately aware of the true cost of this loan. Even more concerning to me is Netcredit has gone into my checking account several times and has taken payments of random amounts of money without my prior consent. They also keep changing my payoff amount which should be going down and after 5 months of paying on it my payoff amount is actually higher than my initial credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
SANTANDER CONSUMER USA ACCOUNT NUMBER XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: CarMax, Inc.
State: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : CARMAX:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Due to failure to positively verify this account has hurt my ability to obtain credit. 
Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, the agency must remove the account. The vehicle was returned within XXXX days of purchase no repossession was necessary. Communication was given to property to fix vehicle several times with promises in return that was not fulfilled. After agreeing to return the vehicle the company failed to reach out to capital one and allowing the bank to continue reporting when the vehicle was no longer in my possession due to an agreement to return vehicle and taken as a loss with no refund in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: MD

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 explanation
Consumer complaint received 2025-03-21 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: PA

Complaint narrative:
I am filing this complaint against the XXXX XXXX XXXX for multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding the inaccurate and unlawful reporting of accounts on my credit report.

Violations Identified : Inaccurate Reporting ( FCRA 15 U.S.C. 1681s-2 ) The reported balances, charge-off dates, and account statuses do not match across the three credit bureaus, leading to confusion and a misleading credit report.

Some charge-off accounts are still reporting a balance, which is incorrect and violates proper accounting principles.

Re-Aging of Debt ( FCRA Violation ) The date of last payment or date opened appears to have been modified to make the debt appear more recent, violating re-aging laws.

Unverified Collection Accounts ( FDCPA 15 U.S.C. 1692g ) The collection agencies reporting these debts have failed to provide proper validation of the debts when requested.

Some debts are appearing as " Open '' collection accounts when they should be reported as " Closed. '' Failure to Update Account as In Dispute ( FCRA 15 U.S.C. 1681s-2 ) I previously disputed these accounts, but they were not marked as " in dispute, '' which violates consumer protection laws.

Reporting by a Collection Agency Without Permissible Purpose ( FCRA 15 U.S.C. 1681b ) Some collection agencies are reporting accounts without proof that they have a legal right to collect on the debt.

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 2025-03-21 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: PA

Complaint narrative:
I am filing this complaint against the XXXX XXXX XXXX for multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding the inaccurate and unlawful reporting of accounts on my credit report.

Violations Identified : Inaccurate Reporting ( FCRA 15 U.S.C. 1681s-2 ) The reported balances, charge-off dates, and account statuses do not match across the three credit bureaus, leading to confusion and a misleading credit report.

Some charge-off accounts are still reporting a balance, which is incorrect and violates proper accounting principles.

Re-Aging of Debt ( FCRA Violation ) The date of last payment or date opened appears to have been modified to make the debt appear more recent, violating re-aging laws.

Unverified Collection Accounts ( FDCPA 15 U.S.C. 1692g ) The collection agencies reporting these debts have failed to provide proper validation of the debts when requested.

Some debts are appearing as " Open '' collection accounts when they should be reported as " Closed. '' Failure to Update Account as In Dispute ( FCRA 15 U.S.C. 1681s-2 ) I previously disputed these accounts, but they were not marked as " in dispute, '' which violates consumer protection laws.

Reporting by a Collection Agency Without Permissible Purpose ( FCRA 15 U.S.C. 1681b ) Some collection agencies are reporting accounts without proof that they have a legal right to collect on the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: PA

Complaint narrative:
I am submitting this formal complaint regarding the credit reporting agencies and furnishers failure to properly investigate and remove fraudulent accounts and inquiries from my credit report. This is a direct violation of multiple federal laws, including but not limited to : 15 USC 1681 ( Fair Credit Reporting Act ) 15 USC 1681i ( a ) ( Requirement to conduct a reasonable reinvestigation ) 15 USC 1681i ( a ) ( 6 ) ( B ) ( 3 ) ( Requirement to provide proper notice of investigation results ) 15 USC 1681 ( a ) ( 5 ) ( B ) ( Obligation to remove inaccurate information ) Section 609 ( a ) ( 1 ) ( A ) ( Right to request and receive verification of account details ) 12 CFR 1006.34 ( b ) ( 5 ) ( Debt collection communication disclosures ) I have made previous attempts to dispute the following fraudulent accounts and inquiries, yet they remain on my credit report, causing financial harm and damage to my creditworthiness : Fraudulent Accounts : XXXX  XXXX - Open Date : XX/XX/XXXXXXXX XXXX XXXX XXXX - Open Date : XX/XX/XXXX XXXX XXXX XXXX - Open Date : XX/XX/XXXX XXXX - Open Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  - Open Date : XX/XX/XXXX XXXX - Open Date : XX/XX/XXXX Fraudulent Inquiries : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  - Inquiry XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX I demand that these fraudulent accounts and inquiries be immediately removed from my credit report. The credit reporting agencies have failed to meet their obligations under federal law by not conducting a proper investigation and by continuing to report inaccurate information. If this matter is not resolved within 15 days, I will have no choice but to pursue legal action against all responsible parties, including the credit bureaus and data furnishers, seeking damages for willful noncompliance with the FCRA. 

This is my final attempt to resolve this matter amicably. Please treat this as a formal complaint and conduct a thorough investigation into the wrongful reporting of these accounts and inquiries. If necessary, I am prepared to escalate this issue to the Federal Trade Commission ( FTC ) and pursue civil litigation to enforce my consumer rights. 

A prompt written response acknowledging this complaint and detailing the actions taken to resolve this issue is required.

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 2025-03-21 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: TX

Complaint narrative:
This is my fiest request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$330.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$560.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$650.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-03-21 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: MD

Complaint narrative:
To whom this may concern, It my with great displeasure I want to inform you that You violated my right as a consumers! Please be awaare that ONLY fair and accurate reporting is necessary for the financial syYstem to function! When you reports inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( 1 ).

Please be adviised that YOU have assume a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I resarve the right to privacy you shall not report any transactions or experience between myself and the person making the report at alll. The only way communication ammounts other with common ownership it must be clearly and CONSPICOUSLY disclosed to me. Youre reporting information on without no proof or investiigation prior to these items being reported on my credit reportt.

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 2025-03-21 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:
To whom this may concern, It my with great displeasure I want to inform you that You violated my right as a consumers! Please be awaare that ONLY fair and accurate reporting is necessary for the financial syYstem to function! When you reports inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( 1 ).

Please be adviised that YOU have assume a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I resarve the right to privacy you shall not report any transactions or experience between myself and the person making the report at alll. The only way communication ammounts other with common ownership it must be clearly and CONSPICOUSLY disclosed to me. Youre reporting information on without no proof or investiigation prior to these items being reported on my credit reportt.

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 2025-03-21 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: DC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-03-21 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: DC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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