vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 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: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXXXXXX XXXX XXXX Dear Equifax I am writing to formally dispute accuracy information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the fair credit reporting act and request a thorough investigation into these in accuracy as required by federal law recently, the Customer financial protection bureau file a lawsuit against experience for its failure to properly investigate customers, dispute siding, shame, investigations, and other unlawful practice. These practices is outline by the CFBP includes conducting in adequate investigations that fail to address customer dispute properly re-inserting previous disputes and inaccuracy information without explanation, failing to notify customers about investigation results efficiently please review the inaccuracies information being reported provide me with documents. You rely on if this dispute information is verified as accurate ensure that the accurate or verification information is correct or removed from my credit report properly if the investigation conclude that the information can not be verified or remain inaccurate I request the immediate remover of corrections of this information from my credit report. Furthermore, I request in writing confirmation of the action you take and response to this dispute if you fail to resolve this matter, I reserve the right to escalate the issue with the CFBP and other appropriate agencies thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Subject : Request for Deletion of Incorrect Addresses Dear CFPB, I am writing to request the deletion of the following addresses from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My current addresses are : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove any other outdated or incorrect contact details associated with me. Thank you for your assistance. 

Sincerely, 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 2025-03-23 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
. CB/VICSCRT- XX/XX/year>, No balance due. presumed information was exposed in data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: VA

Complaint narrative:
Subject : Formal Complaint Against XXXX XXXX XXXX FCRA Violation ( 15 U.S.C. 1681s-2 ( b ) ) To Whom It May Concern, I am filing a formal complaint against XXXX XXXX  XXXX for failing to comply with its legal obligations under XXXX U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ) regarding an inaccurately reported charge-off account. 

Details of the Violation : Account Name : [ XXXX XXXX XXXXXXXX ] Account Number ( Last 4 Digits ) : XXXX Balance Reported : {$3800.00} Date Reported : XX/XX/year> I disputed this account with both the credit bureaus and the furnisher on XXXX, providing supporting evidence that the information is inaccurate. However : 1. The furnisher failed to conduct a proper investigation as required by FCRA 15 U.S.C. 1681s-2 ( b ).

2. No documentation has been provided to verify the accounts accuracy, yet it continues to be reported negatively on my credit file.

3. The information remains inaccurate, violating my consumer rights under federal law.

Supporting Evidence ( Attached ) : Dispute letters sent to the creditor and bureaus Credit reports showing continued inaccurate reporting Any responses ( or lack thereof ) from the furnisher

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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:
Subject : Dispute of Inaccurate Account Information Request for Deletion Dear Credit Bureau Dispute Department, I am disputing the inaccurate information being reported on my credit file regarding an account from XXXX. Upon reviewing my credit report, I have identified multiple discrepancies that violate the Fair Credit Reporting Act ( FCRA ) and request that this account be either corrected or permanently deleted due to these violations.

List of Inaccuracies & FCRA Violations 1. Different Date Opened Entries : Reported inconsistently across bureaus.

Violation : 15 U.S.C. 1681e ( b ) Inaccurate information can not be maintained.

2. Conflicting Last Reported Dates : Different reporting dates across credit bureaus.

Violation : 15 U.S.C. 1681e ( b ) Credit data must be consistent and verifiable.

3. Inconsistent Date of Last Activity Entries : Reported with multiple different dates.

Violation : 15 U.S.C. 1681c ( a ) Inconsistent activity dates create false credit history.

4. Different Date of Last Payment Entries : One report shows a date while others do not.

Violation : 15 U.S.C. 1681s-2 Furnishers must report accurate account details.

5. Conflicting Payment Status : Reported as both Collection/Charge-Off and Late 120 Days.

Violation : 15 U.S.C. 1681e ( b ) Account statuses must be clearly defined and consistent.

Due to these violations, this account is not being reported accurately, fairly, or consistently, which is negatively impacting my creditworthiness. Under the FCRA, I request immediate deletion of this account from my credit file. If verification is attempted instead of deletion, I request written proof from the data furnisher validating each conflicting detail.

If I do not receive a resolution within 30 days, I am prepared to escalate this matter with legal action or a complaint to the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ).

Please send written confirmation of your findings and actions regarding this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am requesting your help to investigate accounts where companies have mistakenly reported late payments. Upon reviewing my credit report, I found errors on specific accounts showing late payments that should not be there. These accounts should not have any late remarks. Please remove these errors and update them to reflect a positive status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX  XXXX BALANCED {$0.00} XXXX  XXXX XXXX BALANCED {$2000.00} XXXX XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX BALANCED XXXX These accounts has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Requested immediate removal of unauthorized accounts pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B. I recently reported identity theft to the Federal Trade Commission ( FTC ) and enclosed a copy of the Identity Theft Report for Transunion records. 
Details of the unauthorized accounts on my consumer report for removal : 1.Name of Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Details of unauthorized inquirer on my credit report : 1.Name of Inquirer : XXXX XXXX Date Requested On : XX/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 non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I traded in my XXXX XXXX XXXX and took delivery of a XXXX XXXXXXXX XXXX XXXX  from XXXX XXXX XXXX XXXX XXXX, Florida. I was told I was approved, signed a contract, insured the vehicle, and the dealership registered it in my name. 

Nearly two weeks later, I received no communication from any lender. I was never given a welcome letter, loan number, payment instructions, or account login. However, I recently checked my credit report and saw that a new auto loan matching the price of the XXXX XXXX had been added to my report. I did not authorize a final loan with any lender, and I have no idea who funded it. 

In addition to that, I discovered over 46 hard inquiries were submitted to my credit during the purchase process a practice known as credit shotgunning, which was done without full disclosure or my consent. 

I am now facing the consequences of : A loan appearing on my credit that I didnt approve or receive documentation for Credit damage from dozens of unauthorized inquiries Financial stress from being unaware of who ( if anyone ) holds this loan I never agreed to this new loan under these conditions, and I am actively disputing the transaction and the dealerships conduct. No lender has contacted me or provided any paperwork. The dealership is under legal and regulatory investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am requesting your help to investigate accounts where companies have mistakenly reported late payments. Upon reviewing my credit report, I found errors on specific accounts showing late payments that should not be there. These accounts should not have any late remarks. Please remove these errors and update them to reflect a positive status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Byrider Franchising, LLC
State: PA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY P ROTECTED CONSUMER RIGHTS TO PRIVACY AND C ONFIDENTIALITY UNDER 15 USC 1681. 

CNAC- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS.

1 5 U.S.C. 1681 SECTION 602 A, STATES I HAVE THE RIGHT TO P RIVACY.

1 5 U.S.C. 1681 SECTION 604 A SECTION 2, STATES A C ONSUMER REPORTING AGENCY CAN NOT FURNISH AN A CCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

1 5 U.S.C. 1681C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF IN FORMATION : ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS AND CRIMES WHICH A NTEDATES THE REPORT BY 7 YEARS.

1 5 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY I N FORMATION 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I volunteered surrendered the car they I owed XXXX they told me I would be on the hook for the balance they sold car for XXXX but they still have me owing full amount as went i first bough car and they have me as repossesion which is incorrect

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: TX

Complaint narrative:
I am resending this complaint to TRANSUNION regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified.

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed. 

XXXX XXXX Balance : {$140.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$26000.00} Date Opened : 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 non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: DISCOVER BANK
State: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Subject : Request for Deletion of Incorrect Addresses Dear CFPB, I am writing to request the deletion of the following addresses from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My current addresses are : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove any other outdated or incorrect contact details associated with me. Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit report shows late payments that arent accurate. A billing and reporting error from my bank has unfairly damaged my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors must report payments accurately, yet a payment I made was not properly recorded, leading to an incorrect late mark on my report. Additionally, I was not given the required 21-day notice before the payment was due, making the late mark invalid. Ive asked the credit bureaus to provide proof of these late payments, but they havent given me any real documentation to back up the claim. Because of this, the incorrect information is still on my report, which is hurting my credit score.v

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: GA

Complaint narrative:
I need your assistance in reviewing accounts from companies that have inaccurately reported late payments. After checking my credit report, I noticed certain accounts incorrectly marked as late. These accounts should not have any late payment remarks. Please remove these inaccuracies and update the accounts as positive, as agreed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
If I never received information from a debt collector about this charge-off, my rights may have been violated under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Debt collectors are required to send me a written notice within five days of their first contact, explaining the amount owed, the creditors name, and my right to dispute the debt. If I never received this notice, they may have violated my rights. Additionally, if this account was reported as a charge-off without any notification from the original creditor or debt collector, it could be considered inaccurate or unfair reporting under the FCRA. If the debt was sent to collections and no one attempted to contact me, this could also be a deceptive or unfair practice.

Company response to consumer: Closed with explanation