vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-15 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: MS

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. I looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
Equifax provides misleading information I forwarded 6 disputes and one of the disputes they didnt leave explanation. Also my account shows no account in collection but the rep was very adamant that I have 3 accounts in collections. Equifax often lies to their customers I was on the phone 50 minutes and nothing was resolved and the rep consistently lied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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:
My name is XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Experian had inaccurate information on my credit file. I filed disputes online using Experian 's dispute center on XX/XX/XXXX, XXXX l disputed addresses that were not mine and inaccurate. Please note, some addresses can not be disputed online if they are currently being reported by a creditor. I did not file a dispute against all addresses ; I only disputed a few addresses. The results of the reinvestigation show all addresses including my current residential address have been deleted, and as a result, I don't have any addresses on my experian file. How is that possible? I did not dispute my current home address. I did not give experian permission to dispute my home current address. In addition, my home address is being furnished by my current creditors. Now my experian membership is no longer updating ( refreshing ) my current experian report at log in. My credit report is still showing XX/XX/year> ; it's now XXXX and it has not updated. I'm also getting an error message indicating experian can not update my most recent experian report. This is egregious. Why did you delete my current home address? I did not dispute my current home address because it is not disputable online if it's furnished by a data furnisher. Experian has some kind of dispute glitch and it is causing consumer harm. Please rectify your error. I'm not sending documents as this happened due to no fault of my own. Otherwise, I will retain a consumer law attorney and file suit. This is NOT a dispute request. Do NOT send me a copy of 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 explanation
Consumer complaint received 2025-02-14 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: CL Holdings LLC
State: GA

Complaint narrative:
I am a victim of Identity Theft. The account was opened without my knowledge and these accounts do not belong to me. Please see attached FTC and police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: HI

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
on XX/XX/XXXX I received 4 inquiries BY XXXX XXXX ( BANK ) XX/XX/year> XXXX XXXX XXXX ( FINANCE ) XX/XX/year> XXXX ( FINANCE ) XX/XX/year> XXXX XXXX ( AUTO ) XX/XX/year> WANT TO DELETE THEM PLEASE

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 2025-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Since cancelling discover card in XXXX, the company continues to send as many as two or three marketing offers a week.

I have made several calls advising discover to please refrain from sending marketing material as I am not interested in any of their products. I have been told several times that I have been opted out of their marketing material. Yet, I continued to get solicited on a weekly basis. In fact, I received more junk mail from discover today. Discover seems to purposely continue harassing me because I have opted to never do business with them again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I have provided the required documentation, including a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  as defined by the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). 

I respectfully request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act. As a victim of XXXX XXXX through debt bondage, I request the removal of all related items and the deletion of associated company information from TransUnion. 

Please remove the following items : 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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am filing this follow-up complaint against XXXX XXXX and the credit reporting agencies ( Equifax, Experian, and TransUnion ) due to grave reporting inconsistencies that violate the Fair Credit Reporting Act ( FCRA ), the Dodd-Frank prohibition on Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ), and Nevadas deceptive trade practices statutes ( XXXX etseq. ). Despite my prior disputes, Equifax has effectively closed my XXXX  account for nearly a yearshowing it as PAYS AS AGREED with no balance or updated datawhile Experian and TransUnion continue to report a live balance and payments. XXXX also insists it furnishes identical data to all bureaus, yet the account plainly appears active with Experian/TransUnion and dormant with Equifax. This glaring contradiction renders the account unverifiable, artificially inflates my debt, and denies me a fair credit profile. 

Under FCRA 1681s-2 and 1681i, both XXXX and the CRAs must ensure consistent, accurate reporting and can not shift blame to each other. XXXX final statement that Equifax suppressed the account shows there is no uniform verification across bureausespecially since nearly twelve months of missing updates at Equifax reveal a major data failure. This ongoing harm to my ability to obtain credit constitutes an unfair, deceptive, or abusive act or practice ( UDAAP under 12U.S.C. 5531 ) and violates Nevada law prohibiting misrepresentations or omissions of material facts in consumer transactions ( XXXX etseq. ).

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 2025-02-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I am XXXX XXXX and based in XXXX XXXX XXXX XXXX As a concerned victim, I am writing to flag that there was an unauthorized checking account that was opened under my name in XX/XX/XXXX without my knowledge. The fake account has led to my newly opened accounts being on hold or blocked. 

I have formally contacted Wells Fargo to demand since XX/XX/XXXX that they conduct a thorough investigation and address the issues by XX/XX/XXXX. I am still waiting for their formal answers at this time. 

Background : I have not banked with Wells Fargo until XXXX when I was trying to open a checking account with Wells Fargo to take advantage of a promotion on XX/XX/XXXX. With the great help from their XXXX branch staff, I was able to open a saving and checking account on XX/XX/XXXX. However, Wells Fargos Loss and Prevention called me the very next day letting me know my newly opened accounts will be closed by XX/XX/XXXX due to a previous and problematic account under my name. 

This news is SHOCKING since I have never opened any accounts myself with Wells Fargo before. I reached out to the branch manager who kindly helped file a formal case with Wells Fargos ID Theft department on XX/XX/XXXX. In the meantime, I have also filed an ID theft case with XXXX accordingly and am considering filing a policy report as well. 

When I contacted their ID Theft team, I was told the unauthorized checking account was opened online in XX/XX/XXXX and someone deposited a few XXXX XXXX XXXX  checks into the fake account. The account was closed by Wells Fargo in XXXX or XXXX of XXXX. 

My asks to them were to get back to me by XX/XX/XXXX with a formal communication on the following : XXXX ) How could Wells Fargo not follow the banking regulations and approve an online application without fully validating the true identity of the applicant in XXXX? I would demand that Wells Fargo provide me with the name ( XXXX ) of the reviewer/approver and what information they cross-checked ( name, SS, XXXX, XXXX, drivers ' license no, phone no, e-mail, etc ). 

XXXX ) How come I have never been contacted by Wells Fargo by phone, e-mail or received any banking statements in the mail for the unauthorized account? I would demand that Wells Fargo provide me with a banking history report with all activities associated with that account.

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 2025-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Danco Financial Services, LLC
State: LA

Complaint narrative:
Recently, I did an investigation on my XXXX credit report and saw that there was an inquiry from Danco financial that was not accurate. I filed my first complaint with the CFPB on XX/XX/XXXX and was informed to contact Danco financial attorney. I spoke with XXXX XXXX, who provided me with a 1099-C ( Cancellation of Debt ). I also requested the original contract with wet signatures and was provided with sheet one out of the five sheet contract from XXXX XXXX. I requested for Danco financial to provide documentation in regards to charge off account and the complete contract with Danco financial. Danco financial attorney office failed to provide the complete original contract requested. 

Under 15 USC 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C. 1681i ( 5 ) of the Fair Credit Reporting Act ( FCRA ) governs how consumer reporting agencies ( CRAs ) should handle disputed information in a consumer 's file. This includes deleting or modifying inaccurate or unverifiable information. 


Failure to accurately report the status of a debt that has been canceled or written off. 
Potential violation of the Fair Credit Reporting Act ( FCRA ) regarding the accuracy and timeliness of reported information. 
To resolve this issue, I am requesting that Danco Financial be required to remove this inaccurate information from my credit reports with all major credit bureaus ( XXXX, XXXX, and XXXX ). 

I am providing the following supporting documentation for your review : Copy of the 1099-C issued by Danco Financial for tax XXXX XXXX, which confirms that the debt was canceled and should no longer be reported as active, email from XXXX XXXX XXXX attorney ) stating that 1099-C and sheet one of original contract is all the information that the attorney has in regards to this account, and sheet XXXX of original contract. 

Any responses or lack thereof from the creditor or credit reporting agencies. 
This inaccurate reporting is negatively affecting my credit score and financial standing. I respectfully request the CFPBs assistance to investigate this matter and ensure that Danco Financial complies with all applicable consumer protection laws. 

Thank you for your time and attention to this important matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have disputed items on my credit report that are incorrect through Experian Equifax and Transunion XX/XX/year>, XX/XX/year> and XX/XX/year>. Id like copies of the documents they used to verify accounts on my credit report. There are also items on my account that are over XXXX XXXX XXXX and should 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 2025-02-15 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: NC

Complaint narrative:
I have disputed items on my credit report that are incorrect through Experian Equifax and Transunion XX/XX/year>, XX/XX/year> and XX/XX/year>. Id like copies of the documents they used to verify accounts on my credit report. There are also items on my account that are over XXXX XXXX XXXX and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-15 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Correction of Personal Information in Credit Report To Whom It May Concern : I recently reviewed my credit report and found several inaccuracies in my personal information, including incorrect addresses, name variations, and employment history. I kindly request your assistance in correcting these errors. I have attached documentation providing proof of my current address and the correct spelling of my name as indicated on your website. 

To facilitate the correction process, here is a list of incorrect addresses currently appearing in my report that I would like removed : XXXX XXXX XXXX XXXX, XXXX, Texas XXXX The only correct address that should appear in my report is : XXXX XXXX XXXX XXXX, XXXX, Texas XXXX Additionally, I noticed that my name is misspelled in various ways in my credit report. My name has only one correct spelling, and there should be no variations listed. To confirm the correct spelling, I have attached a copy of my photo ID. 

Here are the incorrect spellings currently listed in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also request the removal of the following incorrect employer : XXXX XXXX  The only employer that should be listed is : XXXX XXXX XXXX These inaccuracies are causing challenges for me in maintaining an accurate credit report and are affecting ongoing legal processes. Therefore, I kindly request the removal of the incorrect names, addresses, and employer from my credit report and that it be updated accordingly. 

Once the necessary corrections have been made, please send me a copy of my updated credit report for my records. 

Thank you for your prompt attention to this matter. I sincerely appreciate your assistance. 

Sincerely, XXXX XXXX XXXX XXXX Attachments : Photo ID Proof of current address

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 2025-02-15 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: NJ

Complaint narrative:
UPON ME REVIEWING MY CREDIT REPORTS I NOTICED ACCOUNTS THAY WERE OPENED IN MY NAME

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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: NJ

Complaint narrative:
UPON ME REVIEWING MY CREDIT REPORTS I NOTICED ACCOUNTS THAY WERE OPENED IN MY NAME

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 2025-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX is on my credit collections that I have no knowledge about this charge on 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 explanation