vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
To Whom It May Concern, I am writing to formally notify you of my intent to file a lawsuit against XXXX XXXX due to your inaccurate and unlawful reporting of my account to the major credit reporting agencies ( Equifax, TransUnion, and Experian ). 

Nature of the Complaint : You have reported negative and derogatory information regarding an installment account in my name, with the following details : Equifax : XXXX reported with a balance of {$1500.00}, last updated XX/XX/XXXX TransUnion : Charged off as bad debt with a balance of {$1500.00}, last updated XX/XX/XXXX Experian : Unpaid balance reported as a loss, charge-off/other derogatory, last updated XX/XX/XXXX This reporting has negatively impacted my creditworthiness, causing financial harm, and violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., among other consumer protection laws.

Violations Include but Are Not Limited To : Inaccurate Reporting : Your reports contain conflicting information across different credit bureaus, suggesting inaccuracies. 
Failure to Properly Investigate Disputes : If I have disputed this information previously, you have failed to provide proper validation as required by 15 U.S.C. 1681s-2 ( b ).

Reporting False or Misleading Information : Per FCRA 1681s-2 ( a ), furnishers must ensure that the information they report is accurate and not misleading.

Failure to Provide Proof of Debt Ownership : If this debt has been sold or assigned, I have not been provided with sufficient documentation to validate its legitimacy.

Demand for Resolution : To avoid legal action, I demand that you immediately : Delete or correct this negative account from all three credit bureaus ( Equifax, TransUnion, and Experian ).

Provide full verification of the account, including proof of debt ownership, payment history, and all correspondence regarding charge-off status. 
Cease any further inaccurate reporting to consumer credit reporting agencies. 
If you fail to respond within 15 days of receiving this letter with appropriate corrective action, I will proceed with legal action seeking damages under the FCRA and any applicable state consumer protection laws. This lawsuit may include claims for statutory damages, actual damages, attorneys fees, and punitive damages for willful violations. 

Please treat this as your final opportunity to resolve this matter before formal litigation is initiated. 

You may respond in writing to the address above or via email at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: TN

Complaint narrative:
To Whom It May Concern, I am writing to formally notify you of my intent to file a lawsuit against XXXX XXXX due to your inaccurate and unlawful reporting of my account to the major credit reporting agencies ( Equifax, TransUnion, and Experian ). 

Nature of the Complaint : You have reported negative and derogatory information regarding an installment account in my name, with the following details : Equifax : XXXX reported with a balance of {$1500.00}, last updated XX/XX/XXXX TransUnion : Charged off as bad debt with a balance of {$1500.00}, last updated XX/XX/XXXX Experian : Unpaid balance reported as a loss, charge-off/other derogatory, last updated XX/XX/XXXX This reporting has negatively impacted my creditworthiness, causing financial harm, and violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., among other consumer protection laws.

Violations Include but Are Not Limited To : Inaccurate Reporting : Your reports contain conflicting information across different credit bureaus, suggesting inaccuracies. 
Failure to Properly Investigate Disputes : If I have disputed this information previously, you have failed to provide proper validation as required by 15 U.S.C. 1681s-2 ( b ).

Reporting False or Misleading Information : Per FCRA 1681s-2 ( a ), furnishers must ensure that the information they report is accurate and not misleading.

Failure to Provide Proof of Debt Ownership : If this debt has been sold or assigned, I have not been provided with sufficient documentation to validate its legitimacy.

Demand for Resolution : To avoid legal action, I demand that you immediately : Delete or correct this negative account from all three credit bureaus ( Equifax, TransUnion, and Experian ).

Provide full verification of the account, including proof of debt ownership, payment history, and all correspondence regarding charge-off status. 
Cease any further inaccurate reporting to consumer credit reporting agencies. 
If you fail to respond within 15 days of receiving this letter with appropriate corrective action, I will proceed with legal action seeking damages under the FCRA and any applicable state consumer protection laws. This lawsuit may include claims for statutory damages, actual damages, attorneys fees, and punitive damages for willful violations. 

Please treat this as your final opportunity to resolve this matter before formal litigation is initiated. 

You may respond in writing to the address above or via email at 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 2025-03-06 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: FL

Complaint narrative:
My identity with stolen by my brother who was able to open a lease in my name. He stole my driver 's license and used my social security number to obtain a lease in my name. 

He was eventually evicted from the property and damaged my credit. 

I never lived in XXXX Arizona. That is where the address of the property is at.

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 2025-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I filed a complaint with XXXX on XX/XX/year> for a transaction that occurred the same day. First their help topics on their app are very unhelpful. They send you in a circle and almost all their options lead back to their FAQs. One you submit a complaint/dispute they send you a email to try and get you to either close your complain and if you dont respond they close it automatically. We were purchasing a car from a relative whose accounts had been taken over. The perpetrators are believed to have used AI during a phone call to show proof it was the actual person. XXXX promotes its service for its security and convenience but they dont tell you they do little to verify the legitimacy of the account. I couldnt tell how long the account had been opened or see any other information indicating the account itself was or wasnt doing anything suspicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX, I was charged by XXXX XXXX {$120.00} for the recurring payment of the a phone line that I havee already cancelled over them months ago, I demanded it to e cancelled the same day and requested a refund. That day they said that they escalated the concern to a tier 2 agent to cancel my account and even talked to supervisor that they would process the refund within 24 to 48 hours. 48 hours, I received an email from them that they cant refund me. I tried calling them back but they were then saying they couldnt cancel the subscription and they couldnt refund. So I filed a claim over to Wells Fargo and informed them about the situation. Right off the bat, they denied my claim right away. They did not even help the situation. I would like to open a case now to have this reopened and at least for once, I wanted Wells Fargo to communicate with the merchant because I lost my energy calling back and forth without any assistance from both! I did everything to have this timely addressed but both merchant and the bank delayed the process.

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 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I File dispute letter with the credit bureau also with the CFPB about this debt. The debt collector responded back to the CFPB stating that they had no knowledge of the debt that is on my credit report however the credit bureau ( Experian ) Is still reporting this debt ( Global lending services ) I ask the credit bureau Experian to delete that account immediately after XXXX disputes I have put in about this debt and still the account is been reported also after I filed the complaint with the CFPB and they still have not giving a response to that complaint as well I have no knowledge of this debt that is hindering my creditworthiness. Please see attachments.

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 2025-03-06 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: VA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: P&B Capital Group, LLC
State: NC

Complaint narrative:
Repeated attempts have been made to contact and give information about a supposed debt to family, friends and coworkers after asking for no contact. Also threatened legal action with no documentation to back up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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 writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
XXXX to XXXX XXXX XXXX Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires XXXX reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested XXXX To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

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 non-monetary relief
Consumer complaint received 2025-03-06 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: IL

Complaint narrative:
My credit means a lot to me, and XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: LA

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-03-06 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: TX

Complaint narrative:
I just recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX & date XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX - XX/XX/XXXX COAF - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX MTG - XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 non-monetary relief
Consumer complaint received 2025-03-06 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-06 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: IN

Complaint narrative:
I appreciate you making the effort to update and repair some of the data on my creditreport, but there are still some items that need to be fixed. The 3 Credit Bureaus must verifythese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance {$490.00} XXXX XXXX XXXX XXXXXXXX Balance {$870.00} STATE OF MI XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$26000.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00}

Company response to consumer: Closed with non-monetary relief