vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX {$1000.00} {$180.00} XXXX XXXX - - XXXX XXXXXXXX {$870.00} XXXX XXXX  XXXX {$4000.00} - XXXX XXXX XXXX {$1800.00} {$1000.00} XXXX XXXX XXXX {$2400.00} {$190.00} XXXX XXXX - XXXX XXXX XXXXXXXX - - XXXX XXXX - - XXXX XXXXXXXX {$4400.00} {$4400.00} XXXX XXXX XXXXXXXX - - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - - XXXX XXXXXXXX {$1300.00} {$1300.00} XXXX  XXXX {$2200.00} {$2200.00} XXXX XXXX XXXXXXXX {$2200.00} - XXXX XXXX XXXXXXXX - - XXXX  XXXX XXXX {$220.00} {$220.00} XXXX XXXX - - XXXX  XXXX XXXX - - XXXX XXXX XXXX XXXX {$2200.00} {$2200.00} NAMES NOT RECOGNIZED XXXX XXXX XXXX ADDRESSES NOT RECOGNIZED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XX/XX/year> XXXX, XXXX XXXX Bank Credit Cards XX/XX/year> XXXX, XXXX XXXX Bank Credit Cards XX/XX/year> TransUnion, XXXX  XXXX Personal Loan Companies XX/XX/year> XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may 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 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 2025-04-08 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX {$1000.00} {$180.00} XXXX XXXX - - XXXX XXXXXXXX {$870.00} XXXX XXXX  XXXX {$4000.00} - XXXX XXXX XXXX {$1800.00} {$1000.00} XXXX XXXX XXXX {$2400.00} {$190.00} XXXX XXXX - XXXX XXXX XXXXXXXX - - XXXX XXXX - - XXXX XXXXXXXX {$4400.00} {$4400.00} XXXX XXXX XXXXXXXX - - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - - XXXX XXXXXXXX {$1300.00} {$1300.00} XXXX  XXXX {$2200.00} {$2200.00} XXXX XXXX XXXXXXXX {$2200.00} - XXXX XXXX XXXXXXXX - - XXXX  XXXX XXXX {$220.00} {$220.00} XXXX XXXX - - XXXX  XXXX XXXX - - XXXX XXXX XXXX XXXX {$2200.00} {$2200.00} NAMES NOT RECOGNIZED XXXX XXXX XXXX ADDRESSES NOT RECOGNIZED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XX/XX/year> XXXX, XXXX XXXX Bank Credit Cards XX/XX/year> XXXX, XXXX XXXX Bank Credit Cards XX/XX/year> TransUnion, XXXX  XXXX Personal Loan Companies XX/XX/year> XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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:
" 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX XX/XX/year> Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern Dear CFPB, I am writing to file a formal complaint against XXXX XXXX  for reporting a late payment on my credit report that I believe is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

According to the FCRA, furnishers of credit information must report accurate and complete information to consumer reporting agencies. Specifically, under FCRA 623 ( a ) ( 1 ) ( A ), a data furnisher may not furnish information that it knows or has reasonable cause to believe is inaccurate. I believe XXXX  has failed to meet this obligation by reporting a late payment that does not accurately reflect my payment history or the circumstances of the account.

This derogatory mark is negatively affecting my credit profile, causing harm to my financial reputation and ability to obtain fair credit terms. I am requesting the removal of this incorrect late payment from all credit bureaus it has been reported to.

Furthermore, under FCRA 611, I have the right to dispute inaccurate information and request that it be investigated. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: OH

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-04-08 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: OH

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential 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 2025-04-08 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 am processing disputes on behalf of inaccurate information reported to my credit profile not following the FCRA & FDCPA laws. This has caused major inaccuracies reported a false information listed that is hindering my credit score and credit profile. These disputes needs to be investigated and resolved asap. Please review to remove all listed items reported to my dispute filing ASAP.

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 2025-04-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I recently discovered that an account was opened in my name with XXXX XXXX on XX/XX/XXXX, when I was a minor. I did not authorize the opening of this account, and I have no recollection of ever applying for or approving it. As a minor at the time, I was not legally able to enter into a contract or open a credit account. This account is now showing on my credit report, and I am disputing its inclusion because it was opened without my consent.

I contacted Capital One on XX/XX/XXXX, requesting that they investigate this matter and provide proof of authorization for the account. I have not received sufficient documentation or evidence that this account was opened with my consent. Despite multiple attempts to follow up, I have not received a satisfactory response.

I am requesting that Capital One immediately remove this account from my credit report as it was opened fraudulently without my authorization while I was a minor. This account is negatively impacting my credit report, and I am seeking your assistance in resolving this issue promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have previously disputed several negative and closed account on my credit report with both Equifax as well as transunion asking to validate a charge off that is closed on my account. I have not received any proof nor have they sent out a 1099c for any other the charges on my report. Some of the closed accounts I have disputed been approved to have removed and they are yet still reporting non payment on my report if they are approved to be removed and are closed for years now why is it still legal for the company to report and have an impact on my credit report? I have also filed a dispute to have old information deleted off my report such as addresses and numbers that are still present on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have previously disputed several negative and closed account on my credit report with both Equifax as well as transunion asking to validate a charge off that is closed on my account. I have not received any proof nor have they sent out a 1099c for any other the charges on my report. Some of the closed accounts I have disputed been approved to have removed and they are yet still reporting non payment on my report if they are approved to be removed and are closed for years now why is it still legal for the company to report and have an impact on my credit report? I have also filed a dispute to have old information deleted off my report such as addresses and numbers that are still present on my 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 2025-04-08 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: NY

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
My primary residence loan is currently serviced by Newrez ( formerly XXXX XXXX XXXX ). The loan originated on XX/XX/XXXX for {$360000.00}. The property appraised for {$380000.00}, requiring PMI. A substantial principal reduction payment was made on XX/XX/XXXX in the amount of {$280000.00} ( document attached ). This payment reduced my loan to value ratio to approximately 18 %, well below the PMI requirement. The servicer is legally obligated to remove PMI when the loan to value drops below 78 %. I have attached the monthly statement following the substantial payment reduction to show the new loan value and PMI still being applied. I have also attached the last month statement showing PMI still being deducted before PMI was removed. I received a letter dated XX/XX/XXXX stating PMI was removed. My calculations indicate PMI was incorrectly deducted for 30 months at a monthly charge of {$33.00}. I was overcharged a total of {$1000.00}. I have made numerous attempts to recoup these funds over the last approximately 6 months. I have been told I needed to request for PMI to be removed. The servicer claims they issued a check for the amount of PMI after I made the request. I haven't even received the partial payment.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. Please review the attached documentation for more extensive details.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have been defrauded by an individual using a Wells Fargo account. I wired {$22000.00} to this account to purchase a XXXX backhoe and the backhoe was never delivered. This transaction was initiated in XXXX of XXXX  and nothing has been resolved and I am still seeing the same advertisement on XXXX. There are multiple people that have been scammed by this individual or group. Please help catch this person or group.

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 2025-04-08 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:
" 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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with explanation