vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information 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 non-monetary relief
Consumer complaint received 2025-05-20 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 recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: TN

Complaint narrative:
This complaint is in regard to Equifax failure to properly verify, correct, or remove inaccurate, outdated, and unsubstantiated information on my consumer report. Despite a formal dispute submitted, Equifax has continued to report : Incorrect personal information, address, employment and inquires listed below : Name : XXXX XXXX XXXX ( disputed ) instead of XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Employment : XXXX XXXX  Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX which are no longer valid public records with no proper method of verification provided lacks permissible purpose under 15 U.S.C. 1681b, and Equifax has not removed or justified it. My original letter requested tangible, verifiable evidence confirming the legitimacy of each item in accordance with : FCRA 611 ( 15 U.S.C. 1681i ) FCRA 604 ( 15 U.S.C. 1681b ) Metro 2 and CDIA/CRRG compliance standards XXXX XXXX XXXX has not provided a timely response or documentation validating the continued reporting of any of these items. Their failure to correct or remove the information within the required 30-day period after my dispute constitutes willful noncompliance and violates FCRA 1681e ( b ), 1681i ( a ) ( 1 ), and 1681i ( a ) ( 5 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Carvana Group, LLC
State: CA

Complaint narrative:
Soft Inquiries on consumer report XXXX XXXX dateXXXX2025, XXXX XXXX XXXX XXXX2025 XXXX XXXX XXXX.2025 , XXXX2025 XXXX2025. XXXX2025, XXXX.2025 XXXX XXXX for {$1400.00} XXXX.2025 XXXX XXXX2025 XXXX XXXX XXXX XXXX.2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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:
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, CHALLENGED OR NOT.

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 2025-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am submitting a follow-up complaint against Wells Fargo Bank regarding their failure to respond after receiving XXXXXXXX XXXX affidavits I mailed on XX/XX/XXXX, via certified mail. Their lack of follow-up is obstructing resolution and affecting a pending legal matter. 

Background : In XXXX XXXX CFPB response dated XX/XX/XXXX ( Case # XXXX ), they stated that Check # XXXX issued by XXXX XXXX XXXX for {$68.00} was deposited at Wells Fargo XXXX XX/XX/XXXX and returned to XXXX on XX/XX/XXXX. 
However, XXXX has confirmed that they never received the funds, contradicting XXXX XXXX claim. 

In addition, I submitted XXXX XXXX XXXX for Check # XXXX in the amount of {$3400.00}, which was issued by XXXX XXXX and fraudulently deposited at Bank XXXX XXXX. That check is part of an ongoing legal dispute. 

Follow-Up Submission : On XX/XX/XXXX, I mailed a certified package to XXXX XXXX Treasury XXXX XXXX XXXX XXXX Department XXXX It included : XXXX notarized Affidavits of Check Fraud by XXXX ( for Check # XXXX and Check # XXXX ) A detailed summary letter requesting : For Check # XXXX : Documentation proving the refund occurred ( date, recipient name, bank account info ) For Check # XXXX : Status update and confirmation of XXXX XXXX involvement and responsibilities Wells Fargo signed for the package on XX/XX/XXXX, but has not responded in any formnot even to acknowledge receipt. 

Urgent Legal Impact : I have a court hearing scheduled for XX/XX/XXXX, regarding the XXXX XXXX check. XXXX XXXX ongoing delay is materially affecting my ability to prepare and defend my position.

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 2025-05-20 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 recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information 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 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 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
XXXX [ XXXX XXXX ] [ XXXX XXXX ] [ XXXXXXXX XXXX XXXXXXXX ] [ XXXX ] XXXX ] XX/XX/XXXX To Whom It May Concern : I am writing to formally dispute inaccurate and inconsistent information reporting by LVNV Funding LLC on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am requesting immediate removal of the disputed entries. 

The following issues were identified : 1. Duplicate Reporting : The same debt appears to be reported multiple times by LVNV Funding LLC with different open dates and slightly different data across XXXX XXXX XXXX  XXXX. This is misleading and inflates the perceived amount of debt. 

2. Inconsistent Account XXXX : The Open Date for the same account is listed as both XX/XX/XXXX and XX/XX/XXXX. 

Payment history and status across bureaus conflict : some show " Collection/Chargeoff '' while others show " Late 120 Days. '' Status descriptions and comments differ without explanation ( e.g., XXXX notes Late 120 Days while XXXX marks Chargeoff ). 

3. Re-Aged Debt Concerns : The account may be re-aged to appear more recent, which violates the FCRA, especially if the original delinquency occurred years ago ( your record shows XXXX as a possible date of last activity ). 

Under 15 U.S. Code 1681i, I request an immediate investigation into these inconsistencies. If the information can not be verified, it must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: PA

Complaint narrative:
I submitted identify theft reports via mail with my drivers license and utility bills in my name to dispute inquiries on my trans union account that are not mine. Transunion is still improperly reporting these inquiries on my report lowering my score and making me get denied for credit. The fraudulent Inquries are as followed : XXXX XX/XX/XXXX TRANS UNION XXXX  via XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX BRANCH via XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  None of these inquirers are mine resulting in improper use and abuse of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: KY

Complaint narrative:
In XXXX XXXX, I visited a car dealership to inquire about auto financing. I authorized a single credit inquiry to check for loan approval. However, I later discovered that over 10 hard inquiries were submitted to various lenders within a very short timeframe all without my knowledge or proper disclosure. 

I was not informed that my information would be sent to multiple third-party lenders, nor did I sign individual authorizations for each inquiry. This kind of shotgun financing tactic is not only deceptive, but it also has a damaging impact on my credit profile. These inquiries were made without my full understanding or direct consent, which violates the FCRAs requirement for permissible purpose. 

I am requesting a full investigation and removal of all unauthorized or excessive inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: OR

Complaint narrative:
Please see supporting documentation pertaining to the Equifax Data Breach. 
Subject : Request to Block and Delete Fraudulent Accounts Pursuant to 15 USC 1681c-2 ( a )

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 2025-05-20 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: OR

Complaint narrative:
Please see supporting documentation pertaining to the Equifax Data Breach. 
Subject : Request to Block and Delete Fraudulent Accounts Pursuant to 15 USC 1681c-2 ( a )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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 submitted an identity theft block request under FCRA 605B to Equifax. My submission included : An FTC Identity Theft Report from IdentityTheft.gov A signed written statement identifying the fraudulent accounts A valid government-issued photo ID Proof of my current address Under FCRA 605B ( c ) ( 1 ), Equifax was required to block the disputed information within 4 business days of receiving my documentation. It has now been more than 4 business days since receipt, and the fraudulent accounts are still reporting on my credit file. 

I confirmed this by reviewing my Equifax report through a third-party service. Equifaxs failure to block these items is a direct violation of the FCRA. I have received no written response confirming that my submission was processed or that the accounts were blocked. 

This is causing continued harm to my credit and financial reputation.

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 2025-05-20 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these account before i seek litgation for defamation of character ) discover bank balance {$530.00}, XXXX XXXX balance {$300.00}, XXXX XXXX XXXX balance {$0.00}, XXXXXXXX XXXX balance {$2000.00}, XXXX XXXX XXXX balance {$2000.00}. XXXX XXXX XXXX balance {$0.00}

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 2025-05-20 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: FL

Complaint narrative:
I wish to be able to eliminate with the help of you application all the inquiries made to my credit not authorized by me, in addition i wish to eliminate all errors corresponding to Name, XXXX, Address of my reports that do not coincide with the real ones issued by me XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
This letter serves as a formal follow-up to my initial dispute XXXX, XXXX, and XXXX regarding inaccurate information being reported on my consumer credit report by XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am now invoking my rights under FCRA 611 ( 15 U.S.C. 1681i ), which mandates that consumer reporting agencies reinvestigate disputed information and provide a detailed description of the procedure used to determine the accuracy and completeness of the disputed items. Since your previous response returned the accounts as verified, I am now requesting the specific method of verification used to reach that conclusion, including the name and contact information of the furnisher, and the original source of the data used to verify the accuracy of the delinquency status reported. If you are unable to provide this information, or if the furnisher can not produce documented evidence bearing my original wet signature authorizing the reporting of such information, then per the FCRA, all contested items in my original dispute must be permanently deleted from the credit report you maintain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc.
State: OH

Complaint narrative:
Original creditor was XXXX XXXX XXXX sent a bill to a collection agency without notifying me of a balance due. They claimed they sent a final bill but it was never received they said they never called to collect the debt and they only call if they are about to disconnect your service. XXXX XXXX sent collection to credit bureaus again with no notification of debt owed. I called and was on hold for XXXX minutes till prompted to leave a message with message that someone will call me back. Never received call back. Disputed the collection, the agency received the notice and modified the collection minus a dollar. So could not dispute the new charges with the agency. XXXX XXXX as of the writing of this has yet to contact me regarding this debt. XXXX XXXX is XXXX Account XXXX XXXX. I paid a bill in XXXX and was told that was my final bill, then there was some error not sure on who's end, but I received another bill for in XXXX that I was told was the final bill, and never received anything after that. The latest bill showing from XXXX isn't even the amount I paid. The whole thing smells of poor communication and bookkeeping. I paid this bill not knowing if the bill was truly mine in a good faith attempt with the agreement that the new owners would be allowed to back date the sevice date to have this error removed from my credit and not just listed as paid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation