vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-25 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: IN

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. Please investigate these matters and remove the disputed items as soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: NY

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit file. I am a victim of identity theft, and there are multiple accounts and inquiries listed on my credit report that I did not authorize or apply for. These items are not accurate and do not belong to me.

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the unauthorized accounts and inquiries from my credit report. Attached to this letter, you will find a list of the disputed items as well as a copy of my Identity Theft Report filed with the Federal Trade Commission.

Please take the necessary steps to investigate and delete these items from my credit report as soon as possible. I appreciate your prompt attention to this matter and request written confirmation once the corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Several unauthorized companies have accessed my credit report, resulting in damage to my credit and score. Despite prior assurances from a credit reporting agency representative that these inquiries would be removed, they remain on my report. These unapproved and possibly fraudulent entries raise serious concerns about identity theft. Their continued presence causes unnecessary XXXX and is harming my financial health.

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 2025-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: GA

Complaint narrative:
A discover credit card was opened using my social security number by my auntie and i had no knowledge of it until the account got closed and went on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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:
I am being represented by XXXX XXXX XXXX, XXXX number is XXXX. They are handling my debt that I have with XXXX XXXX XXXX and Capital one credit card. It is in their hands now and these companies are aware that I am being represented by this law group, yet they continually put that my account is delinquent and my credit score is dropping to the point where I can't take out any loans that I may need for emergency situations. I pay the law group monthly and I would like the delinquency to come off my reports immediately. It is affecting my score and my future business endeavors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: NV

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDALENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America closed our business account over a month and a half ago, citing attempted fraud, and to date, they have not returned our funds. We have every piece of evidence that there was no attempted fraud, and they have not allowed us to defend ourselves. There is no one qualified to talk to. They refuse to listen to us, and to date, they have not returned our money or provided us with the latest account statements.

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 2025-05-25 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: GA

Complaint narrative:
I want to make it absolutely clear that this complaint is legitimate. My credit report includes inaccurate information that does not meet the standard of maximum possible accuracy, as required. These errors are placing undue strain on my financial situation and must be addressed and corrected without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted TransUnion and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.

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 2025-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Midland Credit Management XXXX. XXXX XXXX XXXX, MI XXXX Re : Debt Validation Request under FDCPA Account Number : [ If known or listed on your report ] Dear Midland Credit Management, This letter is in response to a collection account you have reported on my credit file. I do not acknowledge this debt and request validation and verification of the alleged amount under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g.

Please provide all of the following : 1. Proof that I am legally obligated to pay this debt.

2. A copy of the original signed agreement or contract with the original creditor.

3. The complete chain of custody showing the sale/assignment of the debt to your agency.

4. An itemized breakdown of the amount you claim is owed.

5. Proof that your agency is licensed to collect debt in my state.

Until you provide this documentation, I request that : All collection efforts cease.

You do not report this debt to any credit reporting agency, or if it has already been reported, that you immediately request its removal.

You mark the account as disputed in any reporting.

Be advised that failure to comply with this request may result in further action to protect my rights. I am keeping detailed records of all correspondence for legal purposes. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XX/XX/XXXX, due to the needs of my company 's business, I applied to Wellfargo, my company 's bank, to activate the XXXX function. Then XXXX XXXX, the person in charge of XXXX business at Wellfargo, contacted me and told me that Wellfargo needed to review the activation of this function and that it would also activate the Current Month Analyzed function, which would charge a certain fee every month. At that time, I agreed that it was acceptable to pay some service fees for the activation of the new ACH function, so I agreed. Later, we submitted various company information and materials. Wellfargo started charging the Current Month Analyzed fee from XX/XX/XXXX, which was between {$70.00} and {$85.00} per month. In XX/XX/XXXX, they notified me that my company 's ACH function activation review had not passed. In this case, Wellfargo did nothing for me, and I asked for a refund of the Current Month Analyzed fee. I emailed and called them to request a refund and cancellation of the fee. The head of their ACH department told me that they did not have the authority to do so and that I could only go to the Wellfargo branch to handle it. I was on a business trip in XXXX at the time and could not go to the branch. It was not until XX/XX/XXXX when I returned to the United States that I went to the Wellfargo branch as soon as possible. The strange thing was that the teller said that they did not have the authority to cancel the service. I had no choice but to go to the branch where I opened the account. They gave me the same reply and told me that the only thing they could do was to help me complain about the XXXX department. It was not until XX/XX/XXXX, at my strong request, that they asked me to enroll a new account to stop charging the fee, but there was no response to the refund and complaint. 
The person who contacted me for Wellfargo 's business was XXXX XXXX, whose title was Small Business Banking Relationship Manager ( LO ), Regional Business Relationship Management ; From XX/XX/XXXX to XX/XX/XXXX, the monthly charge ranged from XXXX to XXXX USD. I did not get any feedback after many negotiations.

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
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: FL

Complaint narrative:
open XX/XX/year> amount {$360.00}. i deposited money into this account to build my credit. When I saw it wasn't helping my credit. I closed the account with a {$0.00} balance and never received my refundable deposit back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: NV

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDALENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to file a formal complaint and dispute regarding multiple late payments inaccurately reported on my credit file by XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. These late payments are either incorrect, unverified, or fail to meet the accuracy and completeness requirements mandated by the Fair Credit Reporting Act ( 15 U.S. Code 1681i ).

I have attempted to resolve this matter directly with the credit reporting agencies and the furnisher of the information, but no sufficient investigation or correction has occurred within the required 30-day window. The credit reporting agencies continue to report these late payments despite my requests for proper validation and documentation.

Per FCRA 1681i, consumers have the right to dispute any information they believe to be inaccurate or incomplete. If the furnisher can not provide adequate verification, the information must be removed. 

I am requesting that the CFPB investigate this matter and compel the involved parties to either verify the accuracy of these late payments or remove them from my credit reports entirely. Enclosed are copies of prior dispute letters and my credit reports showing the inaccuracies in question. 

Please notify me of the results of your investigation. 

Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am writing to formally dispute discrepancies related to my auto loan account, originally financed through XXXXXXXX XXXX XXXX under account number XXXX and later acquired by Truist Bank. I purchased a new vehicle in 2018 with a XXXX lease term, and by now, the loan should have been fully paid off. However, since Truist took over the loan, I have experienced ongoing issues, including months of being unable to access my account and consistently inaccurate account balances once access was restored. Despite multiple attempts to resolve the matter through customer service, I have not received a clear explanation or correction. There is currently a remaining balance of {$2800.00}, which I believe to be incorrect. I am requesting a full, itemized ledger of all payments and charges applied to this loan, as I believe it should have been paid in full.

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 2025-05-25 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: CA

Complaint narrative:
Several companies have accessed my credit report without my authorization, which has negatively impacted both my credit and credit score. I previously contacted the credit reporting agency, and a representative assured me that these unauthorized inquiries would be removed. However, they continue to appear on my report. These potentially fraudulent and unauthorized inquiries are deeply concerning and have caused significant anxiety, as they may indicate possible identity theft. This ongoing issue is placing unnecessary stress on me and further damaging my financial standing.

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 2025-05-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: NM

Complaint narrative:
XXXX XXXX, NV XXXX please cease and desist Subject : Notice of Dispute and Request for Validation of Debt Pursuant to 15 U.S.C. 1692g Dear Aargon Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX, This letter is being sent in response to your recent communication regarding an alleged debt. I am formally disputing the validity of this debt under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, which is enforced by the Consumer Financial Protection Bureau ( CFPB ). I hereby request full validation of this debt. Please provide : 1. The name and address of the original creditor. 2. A complete itemized statement showing all charges and payments applied. 3. A copy of the original signed agreement or contract that created this alleged obligation. 4. Documentation proving your legal authority to collect debts in the state of New Mexico. Until this information is provided, you must cease all collection activities, including reporting this debt to any credit reporting agency. If you can not validate the debt, you are required to remove it from all credit bureaus. If you fail to respond within 30 days of receiving this letter or continue collection efforts without proper validation, I will file formal complaints with the CFPB, the FTC, and the New Mexico State Attorney General. I also reserve the right to pursue legal action for any violations of the FDCPA. Please direct all future communication regarding this matter in writing only. Sincerely

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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OK

Complaint narrative:
I found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ) .Please remove this unverifiable item. '' XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: MI

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: COLLECTIONS USA, INC.
State: GA

Complaint narrative:
Need this removed immediately XXXX XXXX XXXX XXXX XX/XX/XXXX amount {$1900.00} I dont have a number to this company. 

Need this removed immediately COLLECTIONS USA XX/XX/XXXX Amount {$24000.00} I dont have a number to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OH

Complaint narrative:
XX/XX/ 2021 a car loan was taken out in my name as I was never aware. The address associated with loan I didn't not live at the address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, I paid the wrong person through XXXX. I paid XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$250.00} on transaction ID XXXX. On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX said they would return my original payment. NOW, XXXX  has their collection person saying I owe them {$250.00}. See the additional email dated XX/XX/XXXX that states that XXXX  {$250.00} is being returned to me. THE XXXX collection team is telling me to have customer service fix this, but customer service is telling me to go to XXXX collections team. My XXXX  account is temporarily frozen, saying I owe {$250.00} when I dont. I just need some type of help since they are not working with me at all.

Company response to consumer: Closed with monetary relief