vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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:
Im reaching out because there are accounts listed on my credit report that are completely inaccurateand I want them removed immediately. Let me be clear : I did not open these accounts, nor did I authorize anyone to open them on my behalf. They are not mine, and they should not be there. This is a serious issue, and Im treating it as such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: IL

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 and inquiries. 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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Theres an account showing up on my credit report that Ive never seen before and have no connection to whatsoever. I dont recognize it, I didnt open it, and I have no idea why its linked to my name. This is clearly a case of mixed or incorrect data, and it needs to be taken off my report immediately.

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 2025-05-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
I am filing this complaint because a previously deleted collection account has been improperly reinserted into my credit report by Jefferson Capital Systems. The original creditor, XXXX XXXX, was unable to validate the debt when I disputed it. As a result, the account was rightfully removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 

Now, Jefferson Capital Systemswho apparently purchased the alleged debthas maliciously re-added this same account without providing any new evidence or verification of indebtedness. This appears to be an intentional effort to resurrect a deleted account in order to damage my credit, despite the fact that XXXX XXXX could not validate the debt and removed it. 

Additionally, I was not notified of the reinsertion within the required five business days, which constitutes a violation of FCRA Section 611 ( a ) ( 5 ) ( B ).

Experian reinserted the collection from Jefferson Capital Systems without notifying me within the required five business days, as required by FCRA Section 611 ( a ) ( 5 ) ( B ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XXXX XXXX its been going on for. i have been back a fourth with trying to pay my bills. the issue isnt the payment, i like many other hours have been short but i have found ways of working to make ends meet. that also includes payments, certain amounts, organizing my payments, and many promise to pays to prove it. Even after the phone call today, i only got my account is under maintenance. For only XXXX days though. Its been going XXXX longer. Next was funds, now i will say i may havent been able to make full amounts but i wouldnt send an amount i didnt have. So that was also checked off. After that we change my account payment method from the account / routing to card payment. Just recent i got my amount was retuned. Still due to unknown reason before and now, they cant provide me anything at this time ( XX/XX/XXXX XXXX XXXX ) because of my maintenance i did ask for info to be send to me in regards to my accounts being returned ( never got confirmation )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: LA

Complaint narrative:
Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXXXXXX  Contents of Complaint : 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 a credit card account opened at XXXX XXXX  on XX/XX/XXXXXXXX  under the account number XXXX, a credit card account opened at XXXX on XX/XX/XXXXXXXX  under the account number XXXX, a student loan account opened at XXXX on XX/XX/XXXXXXXX  under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections 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 items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries 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, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-07 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: 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 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 2025-05-07 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 2025-05-07 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: IN

Complaint narrative:
I would like to remove negative accounts and accounts with old or wrong addresses. Experian has violated my rights and I want all negative accounts 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 2025-05-07 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: OK

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : INQUIRIES : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>

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 2025-05-07 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: MD

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-05-07 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 morning, I saw some incorrect accounts listed on my credit report and I have no clue how they got there. I reviewed my credit report like I normally do, but unexpected errors appeared. I even refreshed the page thinking it might be a temporary glitch, but nothing changed. These false accounts remained. Im requesting a careful review of the documents I submitted to ensure this doesnt become a recurring problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: MI

Complaint narrative:
Per 15 USC 6802 I as a federally protected consumer I am now opting out of the following predator reporting on any of my consumer reportsXXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Late payments XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Late payments XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Per 15 USC 1666B and 15 USC 1681 I this account must be removed Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: CA

Complaint narrative:
See attached. Remove accounts. Send to Experian. Equifax. And Transunion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: CA

Complaint narrative:
See attached. Remove accounts. Send to Experian. Equifax. And Transunion.

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 2025-05-07 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: CA

Complaint narrative:
I am also disputing the inaccurate late payment reporting for my XXXX XXXXXXXX auto loan account ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  ), which is being falsely reported across all three major credit bureaus. This account is not past due, and the continued presence of this erroneous late payment notation is a clear violation of the FCRA. This false reporting is misleading, unjustly harms my credit profile, and severely impacts my financial standing. It is entirely unacceptable for this kind of error to persist, especially in light of the widespread issues with data security and the mishandling of sensitive consumer information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am filing this complaint because Wells Fargo has failed to provide any of the documentation I previously requested regarding the {$3100.00} XXXX refund sent to my closed account ending in XXXX. 

Despite their claim that the funds were returned to XXXX, they have not provided trace numbers or any supporting proof of this transaction. Additionally, Wells Fargo has acknowledged they kept {$38.00} from the refund to apply to a charged-off account ending in XXXX account I was never notified about. 

Following the alleged charge-off, I visited a Wells Fargo branch and opened XXXX new accounts, depositing over {$160000.00}. At no point was I told that I had an outstanding balance, nor was any of that money applied toward the {$38.00}. This raises serious questions about how valid this charge-off truly was and why it was not disclosed at the time. 

I have repeatedly asked for the following : Trace numbers or documentation showing the return of {$3100.00} to XXXX A full account statement ( not a summary ) for the charged-off account ending in XXXX A written explanation of why I was not notified about the {$38.00} balance before it was deducted Clarification on why this deduction was not disclosed in Wells Fargos initial response to my first CFPB complaint I have called Wells Fargos escalation line at XXXX and left voicemails on XX/XX/year> and XX/XX/year>, but no one has returned my calls. I also sent a formal demand letter with no response to date. 

This complaint is being filed due to Wells Fargo 's failure to respond, lack of transparency, and refusal to provide evidence supporting their claims. I am requesting that the CFPB require Wells Fargo to produce all relevant documentation and trace information regarding these funds.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing this complaint to request my consumer report. 

Upon reviewing my credit report file with Experian, XXXX, and XXXX  there is incorrect information you are furnishing to them. This is my attempt at fixing this problem. 

I want to ensure the information in my file is accurate and complete. I request that you promptly provide me with a complete consumer report. 

Please ensure that the information you are reporting is complete and accurate. If the information is not I request you verify and provide the source. If you do not this will escalate into a small claims suit. 

Thank you for your prompt attention to this issue. I look forward to your response and the resolution of 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 2025-05-07 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: CA

Complaint narrative:
TransUnion is reporting multiple unauthorized and inaccurate hard inquiries on my credit file, including XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. These inquiries were not authorized and should never have been included in my credit report. The presence of these unnecessary and inaccurate hard pulls is damaging to my credit score and a direct violation of my rights under the FCRA.

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 2025-05-07 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: United Shore Financial Services, LLC
State: NC

Complaint narrative:
I was trying to make a payment and the loan was transferred to XXXX different companies. None of the companies had my information and there was XXXX different numbers given to the companies. There were XXXX different payment amount on those documents as well. If needed I can upload a copy of the documents I have. The XXXX different loan numbers are XXXX and XXXX. The different payment amounts are {$1800.00} and the other is {$1700.00}. Both was due XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On the XX/XX/XXXX, I bought a recliner set via PayPal on the XXXX XXXX from a vendor named XXXX XXXX XXXX. The recliner set stated it was shipped from the United States and would arrive to my location in 7 days. I messaged back n forth asking about the order and was given a tracking number for a partial order I inquired and they said yes they are shipping part. Fast forward I get a notification of delivery confirmation from XXXX XXXX I checked no package and I went on the XXXX XXXX website put in the tracking number it said the package had been delivered with a picture delivery confirmation that wasn't my address or location. I contacted XXXX XXXX first they were no help they just kept saying it was delivered. I ordered through PayPal due to their buyer protection and was certain I would get a refund for the non delivery because I had proof. PayPal said that the seller uploaded tracking information which was the same fraudulent information I had. The dimensions on the package didn't match information on XXXX XXXX  website also showed the package had been shipped a day before on the XXXX day before I ordered the recliner so it couldn't match the order. Pay pal didn't return my call after they said the would call XXXX XXXX and was giving me the run around so I went to my bank who gave me a provisional credit. Fast forward the credit was reversed I produced all the proof to my bank it was a mistake but they said PayPal is not returning the funds and unless it was an unauthorized transaction I needed to go back to PayPal. I called and a couple of supervisors and they said that the bank had to closed out the case for them to reopen it. Bank closed it then another rep tells me it can't be reopened because my bank got involved despite the evidence fraud. I called and got another story. PayPal didn't do any due diligence and because it wasn't properly investigated it caused financial lost and mental anguish.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX 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 2025-05-07 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation