vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXC RE : Account XXXX XXXX XXXX XXXX I am contacting you to inform you that XXXX XXXX has been inaccurately reporting a balance for the above listed account number of {$13000.00} for the past 13 months. XXXX XXXX wrote off the entire loan for {$32000.00} on XX/XX/XXXX received insurance payment in the amount of {$20000.00} on XX/XX/XXXX. Regional Acceptance also received GAP Insurance payments from XXXX XXXX XXXX XXXX for this account in the amount of {$4200.00} on XX/XX/XXXX, along with a dealer check in the amount of {$4100.00} on XX/XX/XXXX. A credit card payment in the amount of {$1500.00} dollars was also made on XX/XX/XXXX. XXXX XXXX has not correctly reported any of the above listed payments on my credit report along with SEVERAL missing payments that were made from XXXX and XXXX. XXXX XXXX has received {$30000.00} in payments on this account. The CORRECT balance owed is {$2400.00}, yet XXXX XXXX has reported an inaccurate balance of {$13000.00} on my credit report for the past year and a half. 
I have disputed this information from my credit report several times, I have requested a validation of debt letter in reference to this account with ALL payments XXXX XXXX  has received several times and never received it. I have called XXXX XXXX XXXX Department approximately 19 times and given a different story each time by the representative on why the balance has not been updated on my report or within their system or I just never receive a phone call back after leaving several voicemails and even faxing and mailing letters to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM DEMANDING Cease and Desist Demand ( 15 USC 1692 ( a ) ( B ) ) This letter also serves as a formal cease and desist demand under the Fair Debt Collection Practices Act ( FDCPA ), Section 15 USC 1692 ( a ) ( B ). 
Under this law, I am requesting that you immediately cease and desist from : Reporting or sharing any information related to this account or debt under my personal information with any third parties, including credit reporting agencies. 
Engaging in any further collection activities that violate the provisions of 15 USC 1692 ( a ), which prohibits abusive, deceptive, or unfair debt collection practices. 
Failure to comply with this demand will constitute a violation of federal law and may result in legal action.

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 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: FL

Complaint narrative:
Im a XXXX with a XXXX XXXX XXXX XXXX permanently XXXX I was taken advantage of by XXXX they sold the scammed debit to jefferson capital systems. which I never made one payment for anything from XXXX my XXXX XXXX that worked out whatever fictional deal with my name committed fraud Jefferson capital systems has now ruined my credit to where Ill now might have to move to the streets and lose my medical equipment so now has jeopardize my health and well being. This is not right and against the Americans with disabilities Act. I will pursue legal advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have no acknowledgment of this account ACCT XXXX XXXX not only do I have no acknowledgment of this account. They keep reporting this every single month. 

I want to report I want to dispute some inaccurate and unverifiable information. 
I have filed a complaint with the credit bureaus, but they continuously are leaving this on my report without proper debt validation.

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 2025-03-25 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: AZ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-03-25 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: NE

Complaint narrative:
I am submitting this complaint against Experian Credit Bureau regarding inaccuracies in my personal information as reported in my credit report. 

Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX XXXX ; XXXX, XXXX, CA ; 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. I request that my name be updated to reflect the correct information.

2. Outdated Address : My current residential address is XXXX XXXX XXXX, XXXX, XXXX XXXX ; but my credit report shows an outdated address as XXXX XXXX, XXXX, XXXX XXXX ; XXXX XXXX, XXXX, XXXX XXXX. I request that my current address be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my 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 explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I have been receiving multiple emails, phone calls and texts from this company since XXXX of 2024 they call at least but XXXXam which makes me uncomfortable also use of foul language I spoke with them and asked for all this to stop and furthermore I dont know this company at all my data was also breached with the credit unions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I reach out to the creditor Credit Collection Services on 3/6 for the third time requesting proof of ownership, debt validation, chain of assignment, my signature agreeing to pay, forward flow agreement, and the purchase agreement under FCRA. They were unable to provide anything, they also have the incorrect personal information on file so I asked them to remove the inaccurate debt from my credit report immediately, and they hung and and refused to answer my calls. I even asked for validation via email. Since the address is incorrect the creditor failed to validate the debt I believe this is a violation under fdcpa.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I AM A VICTIM OF HUMAN TRAFFICKING AND I NEED YOUR URGENT HELP TO HELP ME BLOCK THE INFORMATION THAT IS IN RESULT OF 605C HUMAN TRAFFICKING AND PLEASE BLOCK AND REMOVE THE ADDRESS OFF MY CREDIT REPORT AND ONLY LEAVE MY CURRENT ADDRESS WHICH IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX EXPERIAN IS REFUSING TO REMOVE THIS FRUADULANT ADDRESS OFF MY CREDIT REPORT ALTHOUGH IVE CONTACTED THEM MULTIPLE TIMES.THEY KEEP TELLING ME THAT ITS LINKED TO AN ACCOUNT WHICH I HAVE EXPLAINED TO THEM THAT THE ADDRESS 'S ARE LINKED TO HUMAN TRAFFICKING AND ITS NOT MINE. THEY STILL DIDNT HELP ME SOLVE MY ISSUE

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 2025-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
On XX/XX/year>, I sent USD {$30000.00} from XXXX XXXX XXXX Capital One USA via XXXX transfer XXXX : XXXX, and XXXX Bank as intermediary bank XXXX Despite correct beneficiary name and address, a single-digit account number error occurred. 
Capital One 's Bad Faith : They initially denied receiving funds, then later admitted the money was deposited to a wrong account but refused recovery ( violating Regulation E 1005.11 ( b ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America branch manager. Released a letter to the police with both my name and address in violating the privacy act. 
The branch in question is. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Washington 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 2025-03-25 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: TX

Complaint narrative:
I have been dealing with ongoing Identity theft issues for several years at this point. To no avail... I continue to find things on my credit report and receive calls about accounts that dont belong to me and that have presumably been opened fraudulently

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 2025-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Select Portfolio Servicing closed complaint XXXX without provided all necessary information. 

Their response states the below : In the inquiries, you advised check XXXX in the amount of {$3500.00} dated XX/XX/XXXX, was cashed on XX/XX/XXXX, by XXXX Mortgage XXXX ( prior servicer ). The prior servicer sent check XXXX dated XX/XX/XXXX, to SPS in the amount of {$3500.00} on XX/XX/XXXX. As the loan was not serviced released to SPS at that date, the funds could not be posted. A letter was sent to the prior servicer on XX/XX/XXXX, which advised we were returning the check received because the attempts to identify the mortgage loan associated with these funds was unsuccessful. The prior servicer did not post this payment before service release to SPS on XX/XX/XXXX. We apologize for any inconvenience this error XXXX have caused. You will need to contact the prior servicer directly for a status of these funds. We have enclosed the SPS XXXX XXXX for review. 

The prior service provider does not have any record of a letter of returned check from SPS. SPS needs to provide tracking details and/or delivery information. 

Without this information, the previous service provider is unable to assist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Notice to XXXX XXXX From : XXXX Tavern XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX and Desist Demand Regarding Account No. XXXX Dear XXXX XXXX I am writing to formally request that you cease and desist all actions regarding my account numbered XXXX. This request is made under the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 USC 1692 ( a ) ( B ).

Cease and Desist Demand : Reporting or Sharing Information : I request that you immediately cease and desist from reporting or sharing any information related to this account or debt under my personal information with any third parties, including but not limited to credit reporting agencies.

Collection Activities : You are also required to stop engaging in any further collection activities that may violate the provisions of 15 USC 1692 ( a ). This law prohibits abusive, deceptive, or unfair debt collection practices.

Please be advised that failure to comply with this demand will constitute a violation of federal law and may result in legal action against your company. 
I expect your prompt attention to this matter and look forward to your written confirmation that you have complied with my requests. 
Thank you for your immediate attention to this urgent matter. 
Sincerely, 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 2025-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
FOR THE RECORD XX/XX/year> Attn : CFO of Wells Fargo Home Mortgage and Wells Fargo XXXX. 
I submit unto you in as CFPB as witness my revocation of Power of Attorney to the corporation/ financial institutiions known as WELLS FARGO aka WellsFargo and WELLS FARGO HOME MORTGAGE aka 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 2025-03-25 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I have received a collection account on my credit report from XXXX XXXX. I have never ever had a stream energy account. Upon further review of my credit report-there are several names and addresses that are not me nor any name I have ever used or addresses I have ever lived. There are also pages and pages of soft inquiries that I have no idea why they are there. I have received a recent letter from a hospital that mailed my information to an individual by mistake just prior to this collection report. I have also received a call a year or two ago that someone tried to open a bank account in my former name with all my information. I am not sure what to do but the collection account is definitely not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$680000.00} XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$290000.00} Late/Closed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$680000.00} XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$290000.00} Late/Closed

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 2025-03-25 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: NJ

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : 1. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

2. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Company That Performed Inquiry : XXXX XXXX Date of Inquiry : XX/XX/year> Company That Performed Inquiry : XXXX XXXX XXXX ASSO XXXX of Inquiry : XX/XX/year> Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ). 

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry. 

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.

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 2025-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hope this message finds you well. I am writing to formally dispute an account on my credit report that was opened without my knowledge or consent. This account was the result of unauthorized and fraudulent use of my identity. I did not apply for or authorize this account in any way. It was opened fraudulently, and I expect immediate action to be taken.

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