vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi my name is XXXX XXXX and this is your * * final and non-negotiable * * demand to * * immediately * * delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer. 

* * Pursuant to 15 U.S.C. 1681b * *, you are illegally reporting and sharing my personal information without my explicit authorization.

* * You do not have my consent, and you have never had my consent * * to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it.Additionally, my credit report contains * * unauthorized inquiries * * that I did not initiate, which makes me a * * victim of identity theft * *.

* * Under 18 U.S.C. 8 * *, I owe * * absolutely no debt * * to the companies listed. Your failure to delete these inaccuracies immediately will result in * * severe legal consequences * *. I will * * not hesitate * * to pursue every available legal avenue to hold you accountable, including but not limited to : 1. Filing formal complaints with the * * Federal Trade Commission ( FTC ) * * and the * * Consumer Financial Protection Bureau ( CFPB ) * *.

2. Initiating civil lawsuits for violations of my rights under the * * Fair Credit Reporting Act ( FCRA ) * *.

3. Seeking * * statutory and punitive damages * * for your gross negligence and failure to comply with federal law.

You are hereby notified that you have * * no further opportunity * * to delay or ignore this matter. I * * demand * * that all incorrect entries and unauthorized inquiries be deleted * * immediately * * and * * permanently * *. This is your * * final warning * *, and I expect * * written confirmation * * of the deletions without delay.If I do not receive confirmation of the deletions within the next 10 business days, I will proceed with full legal action, which will result in * * significant consequences * * for your continued disregard of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: NC

Complaint narrative:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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 2025-05-20 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: NV

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The three credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXX XXXX XXXX * * * * Balance : {$5.00}

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 explanation
Consumer complaint received 2025-05-20 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: NC

Complaint narrative:
I disputed a {$100.00} charge from XXXX XXXX XXXX XXXX  ( posted XX/XX/year> ) with Wells Fargo, as it included an unauthorized {$94.00} XXXX fee. The rental was prepaid through XXXX. I returned the vehicle per instructions, left the keys, and was taken directly to the airport I was told I didnt need to sign anything else. 

Wells Fargo denied my dispute, claiming XXXX provided signed documentation. However, the rental agreement shows that I only initialed the arbitration clause. All other fields including those for optional charges remain blank or contain marks that are not mine and do not match my known signature. 

I never received a final bill or itemized receipt, and the charge was added without notice or authorization. I asked Wells Fargo to escalate to XXXX arbitration and consider this new evidence, but they refused. 

Additionally, I obtained records from the toll authority in XXXX XXXX, FL, which show only a single toll of {$6.00} was incurred during the rental period. By falsifying my signature, XXXX stands to profit over {$100.00} at my expense. I have requested a corrected invoice for the actual {$6.00} toll charge both at the time of drop-off and again in writing but XXXX has not responded. It has now been over XXXX months without resolution. 

Given the lack of documentation, the false representation of my signature, and the merchants refusal to correct the overbilling, I believe the entire matter should be resolved in my favor and closed with prejudice.

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 2025-05-20 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-20 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: PA

Complaint narrative:
I am filing this complaint because Equifax continues to report multiple inaccurate, unverifiable, and obsolete items on my credit report despite XXXX previous disputes. The agency is violating multiple provisions of the Fair Credit Reporting Act ( FCRA ), as well as potentially facilitating illegal reporting by furnishers that fail to validate debt, verify identity, or comply with repossession laws. 

Disputed Accounts & Legal Concerns : XXXX Card ( Acct Ending XXXX ) : Still reports monthly activity on a charge-off from XXXX violating FCRA XXXX ( a ) ( re-aging ). 
No ID verification documentation produced after XXXX disputes may violate 31 CFR 1020.220 ( CIP ).

Equifax is violating FCRA 1681e ( b ) by continuing to report obsolete data. 
XXXX ( Acct Ending XXXX ) : Marked as transferred or sold with {$0.00} balance and no current creditor. 
No documentation verifying ownership or ID CIP violation.

Incomplete data violates FCRA 623 ( a ) ( 1 ) ( A ) and 1681e ( b ). 
XXXX XXXX ( Acct Ending XXXX ) : Reports a repossession and {$2600.00} balance without providing any legally required documentation. 
Violates FCRA 611, FDCPA 809, and UCC Article 9, including : No pre-sale notice ( UCC 9-611 ) No proof of a commercially reasonable sale ( UCC 9-610 ) No deficiency explanation ( UCC 9-614 ) Also lacks CIP documentation verifying identity. 
XXXX XXXX ( Acct Ending XXXX ) : First delinquency in XX/XX/XXXX qualifies for early exclusion under FCRA XXXX ( a ) ( XXXX ). 
Still being reported without any justification or updated documentation. 
Violates XXXX ( b ). 
Capital XXXX ( Acct Ending XXXX ) : Closed in XX/XX/XXXX, yet still reports lates from XXXX. 
No balance or usage misleading and damaging. 
No ID verification records have been disclosed. 
Violates FCRA 1681e ( b ) and possibly 31 CFR 1020.220. 

Unauthorized Hard Inquiries ( All Disputed ) : XXXX Bank XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX were not authorized by me and no credit application was submitted. Equifax is allowing unauthorized access to my report in violation of : FCRA 604 ( a ) ( no permissible purpose ) FCRA 607 ( a ) ( failure to verify legitimacy of requestor ) FCRA 611 ( failure to delete unverifiable inquiries upon dispute ) Summary of Violations : FCRA 611 Failure to delete unverifiable data FCRA 623 Incomplete and inaccurate furnishing FCRA 605 ( a ) Re-aging and obsolete reporting FCRA 607 / 1681e ( b ) Failure to ensure maximum accuracy FDCPA 809 Failure to validate debt ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX failure ( multiple accounts ) XXXX Article XXXX Repossession law violations ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: CA

Complaint narrative:
i recently review my credit report and notice fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-05-20 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: AZ

Complaint narrative:
I am filing this complaint regarding XXXX XXXX XXXX and their reporting of an alleged rental debt ( Account XXXX : XXXX ). This account is currently being reported on both Experian and XXXX  but not on XXXX, which constitutes selective and misleading credit reporting. 

Additionally, the information being reported is materially inconsistent between Experian and XXXX. Experian reports this account as an individual charge-off, while XXXX  lists it as a joint open account with no recent adverse rating. These conflicting entries violate FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ). 

Despite prior disputes and validation requests, XXXX XXXX XXXX has failed to provide any legal documentation, including the signed lease, move-out ledger, proof of assignment, or IRS 1099-C .

I am requesting immediate deletion of this account from all consumer reporting agencies and formal investigation into XXXX XXXX XXXX reporting and validation practices. 

Requested Resolution : Immediate deletion of the account due to inaccurate and unverifiable reporting, and regulatory investigation into the furnishers compliance practices.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

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 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 2025-05-20 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: FL

Complaint narrative:
On XX/XX/year>, I submitted a formal written dispute to Equifax regarding several accounts on my credit report that appear to contain inaccurate, incomplete, or unverifiable information. These include accounts from XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX ( original creditor XXXX XXXX XXXX  ), and XXXX XXXX The data reported for these accounts contains multiple discrepancies, including inconsistent dates, incorrect balances, and potentially outdated or non-compliant reporting formats that do not adhere to Metro 2 standards. 

I specifically requested that Equifax provide verifiable documentation proving the accuracy and completeness of these accounts, as required under the Fair Credit Reporting Act ( FCRA ). However, Equifax has not responded with the requested documentation or provided any resolution to the dispute. The continued presence of this questionable information is damaging my credit profile and hindering my financial opportunities, such as loan approvals and better credit terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX DISCHARGED XX/XX/XXXX Account owner XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Account status Unpaid

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-20 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: FL

Complaint narrative:
Upon checking my credit report, I identified some incorrect information. The XXXX credit bureaus are obliged to verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unauthorized to report unverified accounts without providing proof within the required period by law. Please investigate and correct the following accounts listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-20 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: OH

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
On, or about XXXX XXXX., XX/XX/year>, while checking out in Belk 's department store, of XXXX Alabama, a representative ( Casheir ) informed me that, by setting up " an account, '' account being perceived as online, or for the app, I would receive 20 % off of my purchase. 
I asked them if it had anything to do with credit and they replied " no. '' After receiving my information, a new hard inquiry under, " Sync/Belk ( Hotels and Travels ), appeared on my credit report XX/XX/year>. 
This inquiry was fraudulent activity, as I gave no permission for them to run my credit report. I contacted them directly, and they said, " they could not help, to just dispute it. ''

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 2025-05-20 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: OH

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
This letter serves as a follow-up to my previous complaint submitted last month regarding a fraudulent account that has been incorrectly reported on my credit file. I am reaching out once again to formally request your assistance in filing a complaint against SPRING OAKS CAPITAL LLC for their continued failure to address this matter appropriately. Account in Question : Creditor : SPRING OAKS CAPITAL LLC Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$780.00} I have strong reason to believe that this account was opened fraudulently using my personal information. I did not open, authorize, or consent to the creation of this account, and its presence on my credit report is both erroneous and harmful. Despite several attempts to resolve this matter directly with SPRING OAKS CAPITAL LLC, they have failed to investigate or take corrective action. I have disputed this account multiple times, yet it continues to remain on my credit report, causing unjustified damage to my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to correct the erroneous reporting in my file and are listed on my credit report : 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

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 2025-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
This letter serves as a follow-up to my previous complaint submitted last month regarding a fraudulent account that has been incorrectly reported on my credit file. I am reaching out once again to formally request your assistance in filing a complaint against NATIONAL CREDIT SYSTEMS for their continued failure to address this matter appropriately. Account in Question : Creditor : NATIONAL CREDIT SYSTEMS Account Number : XXXX * * Balance : {$1000.00} I have strong reason to believe that this account was opened fraudulently using my personal information. I did not open, authorize, or consent to the creation of this account, and its presence on my credit report is both erroneous and harmful. Despite several attempts to resolve this matter directly with NATIONAL CREDIT SYSTEMS, they have failed to investigate or take corrective action. I have disputed this account multiple times, yet it continues to remain on my credit report, causing unjustified damage to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: FL

Complaint narrative:
I closed an account with XXXX years ago which is now being reported by this company as owing {$1000.00} plus. I had an old and paid off XXXX XXXX on XXXX and theres no way I owed that much money. I filed a dispute with XXXX  that was resolved within hours. I filed another immediately requesting details on what had been investigated and requesting proof of the validation they used for this mysterious debt and again, dispute closed within a day with no information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CL Holdings LLC
State: VA

Complaint narrative:
Have my name email adddress changed and I dont know no info for them and figure it had to be incorrect.

Company response to consumer: Closed with explanation