vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-06-10 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Northstar Location Services, LLC
State: MI

Complaint narrative:
On XXXX I submitted a request for Debt validation to Northstar Location services, which I have not received any of the requested documentation, how ever I have received several calls from them. They have ignored my cease and desist of any collection attempts until all documentation has been provided. they have added this supposed debt to my credit report, causing damage to my credit report. so when I try to call XXXX XXXX, to get a explantion concerning my account, I'm always transfered to Northstar location services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
I am disputing the reporting of a XXXX  on my credit file. I contacted the XXXX XXXX  XXXX for XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX ) and received a written statement confirming that they did not furnish or verify this public record to any of the credit bureaus ( XXXX XXXX XXXX XXXX ) or third-party vendors. Despite this, some credit bureaus continue to report the XXXX  as verified. This is a violation of the Fair Credit Reporting Act ( FCRA ), as the information can not be substantiated by the alleged source. I requested verification directly from the credit bureaus, and they failed to provide proper documentation showing the source of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc.
State: FL

Complaint narrative:
I am disputing the reporting of a bankruptcy on my credit file. I contacted the XXXX XXXX  XXXX for XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX ) and received a written statement confirming that they did not furnish or verify this public record to any of the credit bureaus ( XXXX XXXX XXXX XXXX ) or third-party vendors. Despite this, some credit bureaus continue to report the XXXX  as verified. This is a violation of the Fair Credit Reporting Act ( FCRA ), as the information can not be substantiated by the alleged source. I requested verification directly from the credit bureaus, and they failed to provide proper documentation showing the source of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
Took out a loan On XX/XX/XXXX for a new XXXX unit for my house in the amount of {$6700.00}. It was an interest free loan till the payoff date of XX/XX/XXXX. I submitted XXXX payments on the due date, but for some reason XXXX of the XXXX payments were returned. I was unaware of the returned payments, and instead received a notification that my loan was paid off ( please see attached ). They are now contacting me a month later to inform me that they have added an interest amount to my principial of {$1200.00}. Had I received a notification that my payments were unsuccesful, I would have had the opportunity to correct this issue. I contacted the company to inform them I am fully willing to pay off the principal balance but not the addtional interest that was added after their notification that the loan was completely paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX  thru XX/XX/year> {$60000.00} Wells Fargo permitted Unauthorized TRANSFER TO CHECKING ACCT. FROM SAVINGS ACCT.!? Next, No/ None Wells Fargo Alert via email confirmation from Wells Fargo. Next, violation of Wells Fargo OWN DIGITAL VERIFICATION CONFIRMATION RULES and violation of the TRANSFER OF FUNDS ACT- Schedule E. Next, Violation of Uniform Commercial Code Section 400, Many subsections. Next, Bad Faith Claims handling using " Sample '' Signatures VERIFICATION comparison from another banking institution that is. A XXXX XXXX XXXX XXXX XXXX XXXX! Many phone complaints by me to ALL Wells Fargo DENIALS with the conclusion of each increased Wella Fargo level of review that they agree with the First / Initial Claim Denial based on that Original Conclusion. They continue to decline a copy of my entire file in the theft. I have filed - on XX/XX/year> - a lawsuit against Wells Fargo.

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 2025-06-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
There is an inquiry on my credit report in the last XXXX days ( XX/XX/XXXX and XX/XX/year> ) from Capital One when I have had zero contact with them and havent opened or applied for any lines of credit with them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$43000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$320.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$160.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$980.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : 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 2025-06-10 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$690.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00} XXXX - Account Number XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$400.00} XXXX XXXX  - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX  XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX/XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX/XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX  XXXX Account Number : XXXX XXXXXXXX Date of Charge-Off : XX/XX/year>XXXX XXXX XXXX The highlighted info can be obtained directly from your credit report. If you need assistance with getting your credit report please see the instructions page included.

It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off.

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections.

Thank you for your prompt attention to this matter.

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 2025-06-10 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: OH

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX  XXXX Account Number : XXXX XXXXXXXX Date of Charge-Off : XX/XX/year>XXXX XXXX XXXX The highlighted info can be obtained directly from your credit report. If you need assistance with getting your credit report please see the instructions page included.

It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off.

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: MI

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized account information reporting to my credit report. These remarks have been detrimental to my life and credit health. Reporting without my consent is illegal and has negatively impacted my financial stability and overall well-being. This matter must be investigated and corrected immediately. Please provide written confirmation of the resolution of this dispute within the legally required timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-10 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:
I am filing this complaint against the credit reporting agencies for continuing to report a collection account from XXXX XXXX XXXX ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX that remains unverified and inaccurate, despite my repeated efforts to dispute and validate the debt. 

On multiple occasions, I requested validation of this debt directly from the company through a formal dispute letter and a XXXX XXXX XXXX XXXX XXXX XXXX complaint. To date, I have received no response from XXXX, and therefore no proof that the debt belongs to me, nor any documentation validating the balance, ownership, or accuracy of the account. 

According to the XXXX  ( Complaint ID # XXXX ), as of now : The company has not responded to us to date. We are continuing to try to contact the company to obtain a response to your concern. 

Despite these unresolved issues, the credit bureaus continue to report this account, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) 611 and 607 ( b ). Under the FCRA, if an account can not be verified within a reasonable timeframe, it must be removed from the consumers credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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 filing this complaint against the credit reporting agencies for continuing to report a collection account from XXXX XXXX XXXX ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX that remains unverified and inaccurate, despite my repeated efforts to dispute and validate the debt. 

On multiple occasions, I requested validation of this debt directly from the company through a formal dispute letter and a XXXX XXXX XXXX XXXX XXXX XXXX complaint. To date, I have received no response from XXXX, and therefore no proof that the debt belongs to me, nor any documentation validating the balance, ownership, or accuracy of the account. 

According to the XXXX  ( Complaint ID # XXXX ), as of now : The company has not responded to us to date. We are continuing to try to contact the company to obtain a response to your concern. 

Despite these unresolved issues, the credit bureaus continue to report this account, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) 611 and 607 ( b ). Under the FCRA, if an account can not be verified within a reasonable timeframe, it must be removed from the consumers credit file.

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 2025-06-10 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: MI

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized account information reporting to my credit report. These remarks have been detrimental to my life and credit health. Reporting without my consent is illegal and has negatively impacted my financial stability and overall well-being. This matter must be investigated and corrected immediately. Please provide written confirmation of the resolution of this dispute within the legally required timeframe.

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 2025-06-10 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: MI

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized account information reporting to my credit report. These remarks have been detrimental to my life and credit health. Reporting without my consent is illegal and has negatively impacted my financial stability and overall well-being. This matter must be investigated and corrected immediately. Please provide written confirmation of the resolution of this dispute within the legally required timeframe.

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