vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam I am writing in response to your recent correspondence regarding an alleged debt in your possession. According to your communication, you claim that I owe a debt to XXXX XXXX. Before any further action is taken, I request that you provide me with validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide the following information : XXXX. The original creditor 's name and contact information. 
XXXX. The original account number associated with the debt. 
XXXX. The date the debt was incurred. 
XXXX. The total amount of the debt, including any fees or interest. 
XXXX. Documentation establishing your ownership or authority to collect this debt. 

I am exercising my rights under the FDCPA to ensure that the debt is valid and that I am dealing with the rightful owner of the debt. I also request that all collection activities cease until the requested information is provided and the debt has been validated. Please be advised that failure to validate the debt within the statutory timeframe will result in me disputing the validity of the debt and pursuing further legal action as necessary to protect my rights. 

Kindly send the requested information to the address provided above. Thank you for your prompt attention to this matter. 

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 explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is a second attempt at a request and response from Wells Fargo Bank with regards to CFPB Complaint ID : XXXX. I am requesting a statement of specific reasons for a loan application denial submitted on XXXX  under Reg B pursuant 12 CFR 1002.9 ( b ) ( 2 ). Previous response does not satisfy these requirements and further non-compliance of this request is in violation of this statute along with the Fair Credit Reporting Act for obtaining information under false pretense per 15 U.S. Code 1681q. This complaint is being submitted in an attempt to remedy this issue before pursuing litigation for a tort related false light invasion of privacy claim through violations of the ECOA, FHA, and 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 2025-05-13 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: GA

Complaint narrative:
I sent THIS COMPANY a dispute letter asking proof of the late payments on my credit report. 
I DEMAND THIS COMPANY TO SEND ME ORIGINAL STATEMENT SHOWING I WAS LATE. 
1. THE DATE I WAS LATE ( MONTH-DAY-YR ) 2.TOTAL AMOUNT THAT WAS DUE TOTAL THAT WAS RECEIVED 3. TOTAL LEFT UNPAID 4. Date of last Activity 5. Payments DATE 6. Scheduled Payment Account Number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
this XXXX debt collector engage an abusive XXXX deceptive and unfair practices of the XXXX fdcpa which prohib which it prohibits so XXXX they furnish this account that we didn't XXXX agree upon and I didn't sign any XXXX agreement which is true right because a XXXX lot of times like with collection XXXX agencies um especially if it's XXXX unauthorized you never sign an agree XXXX with them so they're trying to collect XXXX on a debt that you never even agreed on XXXX so that's a violation right there so a XXXX legal contract is signed by XXXX parties XXXX and I did not participate in any of it XXXX so what participation means is that you XXXX didn't benefit from it right so you XXXX didn't get a car you didn't get a house XXXX you didn't get any type of montary XXXX relief for it so you didn't participate XXXX in it because you were the never the XXXX XXXX that benefited from this actual XXXX collection so that's why you didn't XXXX participate in it so more so they didn't XXXX follow the proper five-step validation XXXX procedure which makes this unfair XXXX practices so anytime time a collection XXXX agency or just any debt collector so XXXX they must actually follow a certain XXXX procedure based off of the fdcpa before XXXX they go ahead and actually put it on XXXX your credit file so I know in a previous XXXX video you guys should definitely go XXXX check that XXXX out I actually broke down XXXX like the no parking rule which is part XXXX of the permissible purpose so XXXX permissible purpose is basically your XXXX right as a consumer before anybody pulls XXXX your credit report or puts anything on XXXX your credit report they must send you XXXX guys any type of Correspondence within XXXX XXXX days so if they send any type of XXXX correspond within XXXX days and it comes XXXX back to them undeliverable then they can XXXX technically not put on the credit report XXXX and if they do that's a violation you XXXX guys can go ahead and Sue and go Ahad XXXX and get your money man so with that XXXX being said right there's about a XXXX XXXX-step validation procedure I won't XXXX go into the full depths of exactly what XXXX it is but um yeah just read up the fdcpa XXXX and you guys should be able to know XXXX exactly what any debt collector needs to XXXX do before they put it on your XXXX file XXXX so and then lastly according to the XXXX fdcpa I'm entitled to {$11000.00} per XXXX violation and clearly they violated my XXXX rights

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: MS

Complaint narrative:
I did a FTC report on all the collection accounts that need to be removed from my credit reports.

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 2025-05-13 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: MS

Complaint narrative:
I did a FTC report on all the collection accounts that need to be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: AL

Complaint narrative:
I am filing this complaint because my credit report shows a collection account that I have no knowledge of or connection to. This account has been mistakenly linked to my profile, and my attempts to address the issue through the credit bureau have not led to a satisfactory outcome. Despite submitting documentation to request verification and removal, the credit bureau continues to report the account as legitimate without providing sufficient evidence. This has negatively impacted my credit score and financial stability, and the lack of corrective action is both unfair and deeply frustrating.

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 2025-05-13 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: AL

Complaint narrative:
I am filing this complaint because my credit report shows a collection account that I have no knowledge of or connection to. This account has been mistakenly linked to my profile, and my attempts to address the issue through the credit bureau have not led to a satisfactory outcome. Despite submitting documentation to request verification and removal, the credit bureau continues to report the account as legitimate without providing sufficient evidence. This has negatively impacted my credit score and financial stability, and the lack of corrective action is both unfair and deeply frustrating.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
b'After receiving a copy of my credit report, I saw several\n inaccurate items. Im exercising my right to have an accurate and\n fair consumer report pursuant to 15 USC 1681a (1). YOU ARE IN\n DIRECT VIOLATION OF THE FCRA, the inaccurate items listed\n below still remain on my credit report in violation of Federal Law.\n Your Company continues to report inaccurate personal\n information and with your refusal to delete INACCURATE &\n Invalidated information from my consumer file is Defamation and\n causing me Financial Injury. This is my last attempt to peacefully\n resolve the issue. From my research: YOU ARE IN VIOLATION OF\n 15 U.S. Code  1681n - Civil Liability for Willful Noncompliance\n\n My Correct Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX\n\n The addresses listed below are Incorrect and Undeliverable to\n Me DELETE IMMEDIATELY: The following addresses are Wrong:\n DELETE AND UPDATE TO MY CORRECT ADDRESS ABOVE. \n\nXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDELETE ALL EMPLOYMENT LISTED AS IT IS NOT REQUIRED! \n\nI DO NOT WISH TO HAVE MY PHONE NUMBER LISTED! \n\nAttached is a copy of my Drivers License, Social Security Card and Light Bill Letter for Proof of Identity my with current correct address. This is\n the ONLY address that should be listed on my consumer report. I\n demand the following changes be made to allow my consumer\n report to be reporting maximum accuracy under 15 USC\n 1681e(b). Thanks for Your Immediate Response into this Matter,'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: GA

Complaint narrative:
I am submitting a follow-up complaint against Experian regarding unresolved or inadequately addressed credit disputes originally submitted in XXXX XXXX XXXX XXXXXX/XX/year>, most recently responded to by Experian on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). 

Summary of Issues : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Verified without documentation or clear DOFD. Violates 1681i and 1681s-2 ( b ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Still shows negative info although debt was sold. No proof creditor still has reporting authority. 

XXXX XXXXXXXX Discrepancies Inconsistent open dates and balances across CRAs. Violates 1681e ( b ).

Hard Inquiry Dispute Verified internally with no documentation. No proof of permissible purpose as required by 1681b. 

XXXX XXXX ( XXXX ) Deferred status and histories are inconsistently reported vs. other bureaus. Incomplete data violates 1681e ( b ).

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 2025-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
Hello, On XX/XX/XXXX, my husband and I went on the search for a second car as our family was in need of one to get back and forth from their school and work. We stopped by XXXX XXXX XXXX in XXXX XXXX Florida and was greeted by XXXX a friendly Salesman. We checked out a XXXXXXXX XXXX XXXX  test drove it and instantly fell in love. We asked XXXX if I could come back on Monday XX/XX/XXXX and take it to our mechanic for it to be looked at. They stated yes but that I would have to put down a {$1000.00} hold and if it failed the inspection, we would get our money back. So, I did that, came back Monday morning and took it over to XXXXXXXX XXXX XXXXXXXX to get inspected. They stated it was good to go and passed the generic inspection. We went back to XXXX and signed all necessary paperwork for the vehicle, also adding in XXXX for a few extra dollars a month, just in case. On XX/XX/XXXX, the car died and would not turn back over after only having the vehicle for two weeks. I reached out to XXXX XXXX XXXX and spoke to XXXX XXXX of the managers there and he stated to bring it over to XXXX and he'll split the repair cost with me. On XX/XX/XXXX, the car started to overheat and wouldn't turnover. We took it over to a mechanic we were familiar with, and he stated it needed a new head gasket, luckily our XXXX covered that expense. Received our car back on XX/XX/XXXX, XXXX months later it broke down once again needing an entire new engine, that the XXXX will not cover. I will be returning vehicle to Credit Acceptance as I was only able to drive it with no issues a total of 3 out of 6months owned.

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 2025-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
My car was repossessed by Nissan Motor Acceptance Company. I called the next day to solved the problem to see what can I do to get my car back. The first person I spoke to gentleman who said I had to pay the car in full, and also I asked will it be anymore fees added he said no. I asked him did they update my new address he told me No I give him new address did he updated it ( NO ). Okay, I paid {$8700.00} it in full with cashier check. I called in with my tracking number from the post Office. Then second gentleman I spoke to told me I wasn't suppose to send it that way then said okay now I have to wait 10 business days for them to post the payment to my account and wait for pay off department to send them a copy of the cashier check. They received my payment on XXXX XXXX it was posted on XX/XX/year> to my account. I called back on XX/XX/year> for them to tell me they are waiting for the copy of the cashier check and that it takes up to 24 hours. I called back on XX/XX/year> I spoke to another gentleman he told me my car was moved to the auction house on XX/XX/year> and he said it can be some storage fees added. I feel Nissan Motor Acceptance Company is delaying to release my car after I paid in full with the amount they told me to pay. I'm very upset and frustrated with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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:
" I have repeatedly notified Equifax of inaccurate personal information on my credit report. Despite my efforts, they continue to report this incorrect information, which is not only unfair but also a violation of my consumer rights ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: MD

Complaint narrative:
Dispute is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Type Individual Date on TransUnion Credit Report is XX/XX/year>. 

I am dealing with TransUnion who said I had to report my issue with you and send them a copy of your report. This affects my credit score. 

On XXXX XXXX XXXXXX/XX/year>, I called XXXX and asked them why they had made an inquiry on my credit report. The person I spoke to looked into it and told me that the loan request was denied as the individual who applied had not used the correct phone number. They had, however, used my name and previous address. I hope you can look into this and provide me information that will satisfy TransUnion. 

Thank 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 2025-05-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened a CD after selling my house and now found a house that I wanted to buy. Inquiring with Citibank they told me, penalty to close the CD now ( prematurely ) would be {$2000.00} however the interest I earned on it is only {$1100.00}. 
That does not make sense no matter which way you look at it. They still make money with my money, the exorbitant penalty can not be justified in any way

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: McNeil & Meyers Asset Management Group, LLC
State: CA

Complaint narrative:
Using instructions provided by XXXX, i returned the phone and equipment as required. However, XXXX charged me anyway. I provided tracking number for shipment. They claimed they would remove the debt but they never did. So they charges me for a returned XXXX and three months service after i returned it. Then reported to 3 credit bureaus. Then sold the debt to a debt collector who reported to all three credit bureaus then they sold it to another debt collector and they made a new report on all three bureas. So the same erroneously reported information has been erroneously reported sold reported again then sold again and reported again. 9 reports on the same erroneous report. 6 years of destroying my credit and equal opportunity. XXXX, XXXX # XXXX, XXXX XXXX # XXXX ( who claims original creditor is tXXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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 have made multiple requests to Equifax to remove XXXX XXXX XXXX XXXX accounts that have been reporting derogatory for more than 7 years. I have made requests in writing, online and by phone. Instead of removing the two accounts, Equifax has later dated the date of first delinquency 's by more than two years. 

The first XXXX 's account was opened XX/XX/XXXX with an original balance of {$1700.00}. Prior to including this account in my XXXX XXXX filing XX/XX/XXXX, the date of last activity on the account was XX/XX/XXXX. Please see a screen shot from an XXXX report dated XX/XX/XXXX ( entire report also included for verification ), This screen shot includes the entire payment history. I have also included a screenshot of the account from an XXXX report dated XX/XX/XXXX indicating that the account was included in the XXXX XXXX  bankruptcy. Given the actual first date of derogatory, this account should have been removed XX/XX/XXXX. 

The second XXXX 's account was opened XX/XX/XXXX with an original balance of {$1600.00}. Prior to including this account in my XXXX XXXX filing XX/XX/XXXX, the date of last activity on the account was XX/XX/XXXX. Please see a screen shot from an XXXX report dated XX/XX/XXXX ( entire report also included for verification ), This screen shot includes the entire payment history. I have also included a screenshot of the account from an XXXX  report dated XX/XX/XXXX indicating that the account was included in the XXXX XXXXXXXX bankruptcy. Given the first date of derogatory, this account should have been removed XX/XX/XXXX. 

I have attached a screen shot of the current reporting for each of these accounts with Equifax. Equifax has changed the first date of delinquency to XX/XX/XXXX on both accounts. When I spoke with the customer service representative, she informed me that the account would be removed 7 years from the first date of delinquency, XX/XX/XXXX. I tried over and over to explain to her that her information is incorrect, and it contradicts the bankruptcy information that they are reporting on my bureau. She then told me if I did not agree that I needed to send a letter through the mail with a copy of my social security card disputing their reporting. 

The request was not only unreasonable, but it is also completely ill-advised. I found it astounding that a credit bureau that has an issue with security breaches of customer data is instructing people to send their social security cards and personal identifying information in the mail. 

While I do not have access to my archived credit reports with Equifax, they do. This information could have been verified very simply, yet they have refused to correct.

Company response to consumer: Closed with non-monetary relief