vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Cease and Desist All unlawful actions. 
XX/XX/XXXX To : Wells Fargo card services From : XXXX XXXX Wells Fargo Card Services has not been given my Express written permission to place anything on my credit report.

15 USC 1692b.

This is a {$1000.00} Civil Penalty Wells Fargo Card Services knows this debt was under dispute but yet they continue to show it on my credit report during the dispute.

USC section 623 ( a ) ( 6 ) ( A ) This is a {$1000.00} Civil Penalty for each time they continue to list this debt on my credit report. Here are the dispute numbers and the dates. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX They were all XXXX XXXX disputes. 
They are all Civil Penalties. 
XXXX says it's {$1000.00} per violation That's a total of {$10000.00} for those Civil Penalties. 

Wells Fargo Card Services has charged off this account with the IRS and took a tax deduction but never gave me a 1099 a or 1099 b to offset my taxes. That's another civil penalty of {$1000.00}.

Wells Fargo Card Services continue to show a balance of {$5500.00} knowing they already took a charge off and a tax deduction on the total amount of that debt. That's a {$1000.00} Civil Penalty.

15 USC 1691 e Any creditor who fails to comply with any requirement imposed under sub chapters shall be liable to the agreed applicant for any actual damage sustained by such applicant..

Damages : 1 : My credit card with XXXX XXXX was canceled because this debt was sitting on my credit and they held it against me. 

XXXX : XXXX XXXX refused to increase my credit limit because this debt was sitting on my credit report as derogatory Relief from damages are needed as follows.

Action to take : Remove this debt from my credit immediately.

Pay me damages of {$13000.00} according to the Civil Penalties Listed in 15 USC 1691 e And 15 USC 1692k Make any check out to XXXX XXXX. 

Thank you very much Consumer Finance Protection Bureau

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Absolute Resolutions Corp.
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to request your assistance regarding an entry on my credit report from ABSOLUTE RESOLUTIONS INVESTMENT. I believe this entry should be removed due to insufficient information and lack of verification. 

As per the Fair Credit Reporting Act, consumers have the right to accurate information on their credit reports. The details associated with this account do not provide sufficient documentation to support its validity. 

I kindly ask for your intervention to ensure this item is investigated and removed accordingly. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX 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 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
LVNV funding LLC states on XX/XX/year> and account with the balance of {$630.00} is open and I have no knowledge. I also am not under any contractual agreement with them and this goes against my consumer rights. Furthermore, this goes against USC 15 166. And I would like this problem resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
I have received two collection letters from Hunter Warfield involving an apartment debt in XXXX  - XXXX XXXX XXXX XXXX  - XXXX. I have never lived in XXXX. I live in XXXX  and have lived here since XXXX. This debt is not mine. I was told by Hunter Warfield to file this form. 

XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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:
Equifax previously deleted the XXXX account ( XXXX ) from my credit report following a dispute in which I provided an FTC Identity Theft Report ( Report # XXXX ) to support my claim. However, Equifax has now reinserted this account without providing me with written notice within XXXX business days, as required by 15 U.S.C. 1681i ( 5 ) ( B ) of the Fair Credit Reporting Act ( FCRA ). 

This unauthorized reinsertion violates my consumer rights, as Equifax failed to notify me or provide any documentation proving the accuracy and legitimacy of the account. Under 15 U.S.C. 1681s-2, furnishers are prohibited from reporting inaccurate or unverifiable information, including previously deleted fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-11 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 not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Problem with customer service — 
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
Request additional help for vehicle refinance loan. 
Vehicle accident on XX/XX/XXXX, so making loan payments to XXXX XXXX XXXX XXXX request for extension due to vehicle still unoccupied. No extension given. 
Currently making payments to XXXX XXXX XXXX XXXX XXXX XXXX on a vehicle that is no longer in my control. 
Please reference information below : Urgent Assistance Required Regarding Safety Issues with XXXX XXXX XXXX Dear XXXX XXXX, I am reaching out to seek assistance regarding persistent safety issues with my XXXX XXXX XXXX XXXX XXXX ( XXXX : XXXX ) purchased brand new in XXXX of XXXX. The vehicle currently has XXXX miles on it and remains under the manufacturers warranty. Since purchasing the vehicle, first maintenance performed on XX/XX/XXXX at local dealership XXXX XXXX of Virginia, I have experienced recurring issues with the braking and steering wheel locking sensor. Issues was reported to XXXX and sent for diagnosis check on dates of service XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX. XXXX XXXX expressing my concerns about my safety. I was informed by the dealership that there is only XXXX recall associated with my vehicle not associated to the braking system and steering wheel locking,. I was also told that there was nothing they could do because there was no code showing. On XX/XX/XXXX, My breaking and steering wheel sensor light continue once again this time locking my steering wheel and causing my vehicle to side swipe a bridge. I sustained minor injuries, including whiplash to my shoulder and neck, and experienced trauma-related injuries from the incident. Police report made and was instructed by fire chief not XXXX XXXX the vehicle. My vehicle has been out of commission since the incident on XX/XX/XXXX, I'm currently making monthly payments for a vehicle that I do not have. My auto insurance claims XXXX and XXXX XXXX XXXX insurance company : appraised my car and fix the damages that occurred without notifying, XXXX XXXX XXXX, basically tempering with evidence and was told by XXXX XXXX that progressive knows the protocol when it comes to malfunction issues and that they should have contacted them first before fixing the car. Referring that my insurance company act in bad faith. My vehicle is currently at a XXXX dealership with other issues. I have not been contacted by neither party. My insurance company nor XXXX XXXX XXXX. And still have no vehicle since the incident of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: Global Lending Services LLC
State: MI

Complaint narrative:
I XXXX XXXX, am a victim of Identity theft, request removal and deletion of the listed fraudulent accounts on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: American Credit Acceptance, LLC
State: MI

Complaint narrative:
I XXXX XXXX, am a victim of Identity theft, request removal and deletion of the listed fraudulent accounts on my credit report. XXXX XXXX XXXX, XXXX, CREDITACPT, US DEPT ED, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX DEPT OF EDXXXX 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, AMERICAN CREDIT ACCE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AMERICAN CREDIT ACCE, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: SD

Complaint narrative:
I opened multiple chase cards ranging from XXXX to XXXX of XXXX on XX/XX/XXXX of XXXX all XXXX of my accounts were closed for the reasons of ( to many credit lines opened recently, to much balance with Chase cards ). they stated they cant be reopened. i asked about my rewards points as i had {$2500.00} across the XXXX cards. i was able to get {$1100.00} of them to my Chase bank account that day but i was told i have to wait until the statements dates for the pending amounts to be able to be given to me. i paid off all my cards between XX/XX/XXXX - XX/XX/XXXX. i called on XX/XX/XXXX to have my rewards given to me as my statement date was XX/XX/XXXX. they stated they cant give me the points as my account is not in good standing. 
I stated i was told to call back once my statement printed so i could get my pending amounts, and that they stated i had 30 days to get all my points. The rep as well as the supervisor i talked to after stated that what i stated is true but they cant give me any of my points. i explained that {$1400.00} is a lot of money to me and that are not letting me have a chance of getting them as they stated i couldn't get them on XX/XX/XXXX and had to wait but i could do it within XXXX  days. once i called on day XXXX i was told they cant give them and there is nothing they can do. they stated i couldn't talk to anyone else and the supervisor was the highest i could go and that there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: MO

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my dispute, regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours, stating that the account is accurate, without providing evidence of a thorough investigation. These are the accounts that I have marked an accurate : XXXX XXXX XXXX, world acceptance, XXXX XXXX XXXX, national recovery, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FREEDOM FINANCIAL NETWORK
State: NC

Complaint narrative:
Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I recently reviewed a copy of my credit report and found the following item ( s ) to contain errors. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the information they report is accurate and verifiable. 

I am requesting an investigation into the accuracy of the accounts listed below. Please provide documentation or other evidence used to verify the accuracy of these accounts. If you are unable to provide sufficient verification, I respectfully request that the accounts be corrected or removed from my credit report as required by the FCRA. 

The reporting of unverified or inaccurate accounts has negatively impacted my ability to obtain credit, and I trust you will address this matter immediately. 

Here as follows are items in error : 1. Validation of 15 U.S. Code 1692g. Validation of debts XXXX  Account Number : XXXX PLEASE DELETE IMMEDIATELY 2. Validation of 15 U.S. Code 1692g. Validation of debts 01 XXXX XXXX Account Number : XXXX PLEASE DELETE IMMEDIATELY 3. Validation of 15 U.S. Code 1692g. Validation of debts ACHIEVEPL Account Number : XXXX PLEASE DELETE IMMEDIATELY By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: CA

Complaint narrative:
I AM A VICTIM OF XXXX XXXX  UNDER XXXX05C. I HAVE UPLOADED MY SUPPORTING DOCUMENTS TO SUPPORT MY DISPUTE UNDER 605C.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
i was giving a credit then they told me i have to pay it back

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX  XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all 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 2025-03-11 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX  XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all 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 non-monetary relief