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 — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( s ) : XXXX XXXX. XXXX XXXX Incorrect Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Incorrect Employer ( es ) : XXXX Date Updated : XX/XX/XXXX Correct Information to Be Reported : Full Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Employer : XXXX XXXX XXXX XXXX have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation.

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements.

I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above.

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Personal Statement Personal Statement Personal Statement I am listing 6 fraudulent inquiries from my Transunion and Equifax 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.THe listed inquiries do not belong to me and must be removed from my Transunion and Equifax credit report. I had a call with all companies and credit reporting agency and was advised to fill identity theft report for deletion. I am requesting Transunion and Equifax to mark listed inquiries as fraudulent and remove them from my credit report.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
A merchant had charged me for {$120.00} and they were not supposed to since I had a plan with them to pay in full. I then filed a claim with Wells Fargo in XX/XX/year> and another one in XXXX of XXXX  since they reversed the claim. On XXXX XXXX I spoke with senior claims specialist named XXXX and he assured me I had until XX/XX/XXXX to get the paperwork stating I wasnt supposed to be on bi weekly payments with the merchant. However today, XX/XX/XXXX the claim got reversed. I called the bank and the claims senior specialist tried to say that XXXX misrouted the claim and so there were 2 claims under the same transaction for {$120.00}. XXXX, the senior specialist told me the claim from XXXX got reversed and that I was debited {$120.00}. Then XXXX stated the claim from XX/XX/year>XXXX  was still open and if I didnt submit the proof, I would get debited again. I then asked her if Wells Fargo credited me {$120.00} + $ XXXX {$250.00} on a claim that was only {$120.00} and she said yes. WHY WOULD A BANK CREDIT SOMEONE {$250.00} on a transaction that was only {$120.00} to begin with?!? She then stated yes, I would get both charges debited. THAT MAKES NO SENSE! ALSO, I told her why would I be speaking to anyone on XX/XX/year>XXXX  about a claim reversal from a claim that was started in XX/XX/year>XXXX  if the claim had gotten reversed TODAY XX/XX/year>??? If I get charged 2 times for a claim that was for ONE transaction of {$120.00} I will take legal action. I also used the XXXX call recording feature so I have everything as proof

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: CBC Companies, Inc.
State: GA

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information

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: FL

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

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 — Account information incorrect
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am filing this complaint due to multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding the inaccurate and misleading reporting of a collection account from LVNV Funding for an alleged debt originally from XXXX XXXX 

Here are the specific violations that require correction or removal of this account : Illegal Re-Aging of Debt ( FCRA 623 Violation ) The " Date Opened '' is XX/XX/XXXX, which does not reflect the actual Date of First Delinquency ( DOFD ). 
Debt collectors can not manipulate reporting dates to make a collection look newer than it is. 
Charge-Off & Collection Conflict ( FDCPA 807 ( 2 ) ( A ) ) The account is reported as both a Charge-Off and a Collection, which is false and misleading.

A charged-off account can not be re-reported as a new collection. 
Inconsistent & Misleading " Last Reported '' Dates ( FCRA XXXX Violation ) The " Last Reported '' date ( XX/XX/XXXX ) has been updated to make the account look new. 
This illegal practice extends the life of negative reporting. 
Failure to Validate Debt ( FDCPA 809 Violation ) The collection agency has failed to provide : A signed original contract.

An itemized breakdown of the debt. 
Proof that LVNV Funding has the legal right to collect this debt. 
If this can not be provided, this account must be deleted immediately.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Please take action to remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize them and do not recognize their origins. As per USC 1681g, I am requesting their removal within 15 days. The necessary documents are attached for review. Furthermore, there are discrepancies in the account details, as different information is being reported to each bureau.

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: Problem with fraud alerts or security freezes — 
Company: U.S. BANCORP
State: ID

Complaint narrative:
I was charged XXXX by a company called XXXX I dont even know how they got my information I called us bank to report this 4 times and they say they are working on it and will not credit my account back as a credit They said I agreed to the charges and I never did they sent me a new card but I still have the charge on my account and I dont know what to do

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian Refusing to Correct Inaccurate Late Payments. 

I am writing to file a complaint against Experian. They are reporting late payments on my credit report for accounts that I have never been late on. I have contacted them multiple times to dispute this information and requested they investigate and remove the inaccurate late payments. However, they have not been helpful and have not corrected the errors. The creditors are XXXX XXXX  and XXXX XXXX 
I believe this is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which gives me the right to dispute inaccurate information and have it corrected or removed. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, I have the right to dispute inaccurate information, and the credit reporting agency is required to conduct a reasonable investigation and correct or remove any inaccurate or unverifiable information. These false late payments are harming my credit and I need this resolved. I am requesting that the CFPB help ensure that Experian properly investigates my dispute and removes the incorrect late payment history from my report. 15 U.S.C. 1681e ( b ) Requires credit bureaus to follow reasonable procedures to ensure maximum possible accuracy of the information they report. 

Thank you for your help.

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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies are super stressful and are affecting my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent even my fault. I'm really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My Experian credit report contains serious reporting errors that should have never been included. This level of negligence is unacceptable and raises major concerns about the reliability of your verification process. These inaccuracies are actively damaging my credit profile, and I will not allow them to go unchallenged. 

The following disputed accounts need immediate correction : Charge Off ( Experian ) XXXX XXXX - Account # : XXXX - Balance : {$4100.00} XXXX  - Account # : XXXX - Balance : {$0.00} As a consumer, I am legally entitled to a credit report free from false or unverifiable information. The FCRA mandates that all reported data must be 100 % accurate and provable. If these errors can not be supported by concrete documentation, they must be removed immediately. I demand a thorough reinvestigation and immediate resolutiondelays will not be tolerated.

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: FL

Complaint narrative:
I : XXXX XXXX, Consumer Social Security XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 several accounts in collection like the following : - XXXX XXXX opened on XX/XX/XXXX and account number XXXX ( and it is reported twice in my credit report ) - XXXX XXXX XXXX on XX/XX/XXXX and account number : XXXX, - XXXX XXXX opened on XX/XX/XXXX and account number XXXX. 
- XXXX XXXX opened XX/XX/XXXX and account number XXXX. 
- XXXX XXXX opened on XX/XX/XXXX and account number XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing this complaint due to multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding the inaccurate and misleading reporting of a collection account from " XXXX XXXX ( Original XXXXXXXX XXXX XXXX XXXX XXXX '' for an alleged debt originally from XXXX XXXX XXXX XXXX XXXX XXXX 

Here are the specific violations that require correction or removal of this account : Illegal Re-Aging of Debt ( FCRA 609 & Metro 2 Guidelines ) The collection account reports different " Date Opened '' dates across the bureaus ( XX/XX/XXXX, XX/XX/XXXX ), making it appear newer than it should. 
The original delinquency date should be used, NOT the date the collection agency started reporting. This is a violation of FCRA rules.

Last Reported Date Manipulation ( FCRA 623 ) The Last Reported Date has been updated incorrectly ( XX/XX/XXXX & XX/XX/XXXX ), making the debt look newer, which unfairly impacts my credit score. 
Credit bureaus must not allow re-aging of debt by updating the reported date without real activity. 
Charge-Off & Collection Status Conflict ( FCRA 623 & FDCPA 807 ( 2 ) ( A ) ) The account is labeled as both a Charge-Off and a Collection, which is misleading and inaccurate. It can not be both at the same time.

This constitutes false representation of the debt under federal law.

Inconsistent & Misleading Comments ( FCRA 607 ( b ) ) The account has different comments across bureaus : " Placed for Collection '' ( TransUnion ) " Subject has not satisfied debt '' ( Equifax ) These are inaccurate, inconsistent, and misleading and need to be corrected or removed.

Failure to Validate Debt ( FDCPA 809 ) The debt collector has failed to provide proper validation of this debt.

I am demanding the original contract bearing my wet-ink signature or a full validation of this debt under federal law.

If the collector can not provide this, the account must be deleted from my credit report immediately.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing this complaint due to multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding the inaccurate and misleading reporting of a collection account from " XXXX XXXX ( Original XXXXXXXX XXXX XXXX XXXX XXXX '' for an alleged debt originally from XXXX XXXX XXXX XXXX XXXX XXXX 

Here are the specific violations that require correction or removal of this account : Illegal Re-Aging of Debt ( FCRA 609 & Metro 2 Guidelines ) The collection account reports different " Date Opened '' dates across the bureaus ( XX/XX/XXXX, XX/XX/XXXX ), making it appear newer than it should. 
The original delinquency date should be used, NOT the date the collection agency started reporting. This is a violation of FCRA rules.

Last Reported Date Manipulation ( FCRA 623 ) The Last Reported Date has been updated incorrectly ( XX/XX/XXXX & XX/XX/XXXX ), making the debt look newer, which unfairly impacts my credit score. 
Credit bureaus must not allow re-aging of debt by updating the reported date without real activity. 
Charge-Off & Collection Status Conflict ( FCRA 623 & FDCPA 807 ( 2 ) ( A ) ) The account is labeled as both a Charge-Off and a Collection, which is misleading and inaccurate. It can not be both at the same time.

This constitutes false representation of the debt under federal law.

Inconsistent & Misleading Comments ( FCRA 607 ( b ) ) The account has different comments across bureaus : " Placed for Collection '' ( TransUnion ) " Subject has not satisfied debt '' ( Equifax ) These are inaccurate, inconsistent, and misleading and need to be corrected or removed.

Failure to Validate Debt ( FDCPA 809 ) The debt collector has failed to provide proper validation of this debt.

I am demanding the original contract bearing my wet-ink signature or a full validation of this debt under federal law.

If the collector can not provide this, the account must be deleted from my credit report immediately.

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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I received a copy of my credit report and found the following items to be errors. 

I would like to be provided proof I consent to the following inquiries ; if you have no proof immediately of the following inquiries, I would like it removed immediately. 

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 2025-03-22 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: GA

Complaint narrative:
The transaction in question, dated between XXXX and XX/XX/2021 for the amount of {$1100.00}, is the direct result of crime, rendering it fundamentally unauthorized under applicable law. The assailant used funds to pay their own fees at a probation office. 
While acknowledging the lapse in time since the incident, I assert that the nature of the transaction, procured under duress, negates any implied authorization. Even years later, the fact that a crime was committed, bolsters the claim that the charge was not authorized. GoProgram Way2Go need to address this issue and acknowledge that it does not absolve the company of its potential liability. The fact that the card was taken means that the original charge was not authorized, and that the charge was not properly disputed.

Company response to consumer: Closed with explanation