vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 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: IL

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i To Whom It May Concern, I am formally disputing the following accounts listed on my credit report due to several inaccuracies. As per the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy. Furthermore, under 15 U.S.C. 1681i, inaccurate or unverifiable information must be corrected or deleted within 30 to 45 days of a dispute. 

The accounts I am disputing are as follows : 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  The information reported on these accounts contains several discrepancies that violate my rights under the FCRA . I request that each of these accounts be verified for 100 % accuracy across all three credit reporting agencies or immediately removed from my credit report if the information can not be verified. 

If this matter is not resolved within the 30 to 45-day timeframe, I will have no choice but to proceed with legal action to seek damages of {$1000.00} per inaccuracy, as permitted under the FCRA. 

Please provide me with the results of your investigation in writing, along with an updated credit report reflecting the necessary corrections or deletions. If you require any additional information from me, please let me know immediately. 

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 2025-02-03 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
Re : Dispute of Account Information Account : CREDIT COLLECTION SERV - XXXX Original Creditor : XXXX XXXX XXXX 

Dear Sir/Madam, I am writing to formally dispute the accuracy of the information reported for the account listed under CREDIT COLLECTION SERV, with account number XXXX, in my credit file. As required under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), I request a thorough investigation into the accuracy of the reported account details. 

Specifically, I dispute the following inaccuracies and discrepancies : 1. Account Information : The account is listed as a collection account with a {$260.00} past due balance as of XX/XX/XXXX. The reported balance of {$260.00} as of XX/XX/XXXX does not match my records or understanding of this debt. I request verification of the balance, as well as supporting documentation confirming that this debt is accurate and properly attributed to me. 
2. Date Opened : The account indicates that it was opened on XX/XX/XXXX. I have no recollection of receiving any communication from XXXX XXXX XXXX or being made aware of this account at the time it was opened. Please provide details regarding how and when this account was initiated. 
3. Payment History : There is no indication of payments made or payment history on this account, yet I have no record of having been contacted or notified about this account prior to its reporting as a collection. I request a full and clear payment history, including proof of any communication regarding this debt. 

As required by the FCRA, please investigate this matter promptly and correct any inaccuracies. If the information can not be verified or validated, I ask that this account be removed from my credit file entirely. 

Please send me a written response indicating the results of your investigation, including any documentation that substantiates the accuracy of this account, or confirmation that the information has been corrected or removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: FL

Complaint narrative:
I recently pulled my credit report and found some inaccurate accounts that were reporting. I have made a list of all the inaccurate accounts that I would like to removed. please review all of the my documents and remove the account that are list. see attached

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 2025-02-03 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: The Receivable Management Services LLC
State: FL

Complaint narrative:
I am writing to RECEIVABLE MANAGEMENT to formally dispute the accuracy of certain information in my credit report, which I obtained. Pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  of the Fair Credit Reporting Act ( FCRA ), I demand an immediate, thorough, and good-faith investigation. I know that RECEIVABLE MANAGEMENT being sued for engaging in " sham investigations '' by failing to properly verify and correct erroneous credit report entries, misleading consumers in the process. Given these serious violations, I expect my dispute to be handled in full compliance with the FCRA, including : 1.A complete and reasonable investigation within the 30-day period, as mandated by law. 2.A detailed explanation of your findings and the actions taken to correct any errors. 
3.The provision of a free updated credit report reflecting the corrections made. I have enclosed supporting documentation to substantiate my claim, which should assist in your investigation. Failure to properly investigate and correct these errors will leave me no choice but to escalate my complaint to regulatory authorities, and my

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 2025-02-03 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: NY

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal infomation made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: IN

Complaint narrative:
I kindly request the prompt removal of the fraudulent entries from my credit report in light of this situation, along with the necessary actions to rectify any inaccuracies or fraudulent activities. Attached are documents from relevant authorities that substantiate my claims.

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 2025-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX and XXXX of XXXX, I spent approximately ~ {$27000.00} on XXXX XXXX and " gold coins '' that count towards the XXXX  program of a website called XXXX through Wells Fargo. I did this under the understanding that I would get to enjoy the lucrative benefits that their XXXX program offers ( see attached chargeback document for the details ). 

After advancing in the XXXX  program, they stopped me from purchasing on their website, getting deals, and taking advantage of the XXXX  program that I had paid tens of thousands of dollars for. I contacted them multiple times without resolution. 

I opened a dispute on XX/XX/XXXX with wells Fargo ( original dispute # XXXX ). During this, I attached a key piece of evidence to my case that explained it entirely. Wells Fargo did not even look at my evidence and immediately denied my case. 

On XX/XX/XXXX, I called Wells Fargo and again pleaded my case. They again denied it immediately without looking at my attached documentation. Their reasoning was that I received the XXXX points and gold coins so had no case. This makes no sense, as my entire case is that the XXXX  points did not get me what was advertised. 

On XX/XX/XXXX, I got an automated email from Wells Fargo stating that they had finally received my documentation ( originally sent on the XXXX ) and reopened the case. I called on XX/XX/XXXX and was told " It just automatically reopens the case '', then the employee looked at the 27 document for roughly 20 seconds and said " based on the notes, this won't change anything and we'll close it out again ''. 

Conclusion : Wells Fargo clearly did not take my claim seriously. I was taken advantage of by this company and Wells Fargo did not put any serious effort into my claim. It is not right that they did not take my evidence into account and immediately denied my claim without fair consideration.

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 2025-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: TX

Complaint narrative:
My Vehicle Wasnt Work Properly Instead If them Fixing it the gave me the run around so I ask for surrender for the car

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity 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 2025-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am filing this complaint against Truist Bank for violating our binding arbitration agreement, misleading me about my eligibility for arbitration, and improperly obtaining a civil court judgment against me despite being contractually required to resolve disputes through arbitration. 

Arbitration Agreement Violations : I entered into an agreement with Truist Bank, which included a Mutual Arbitration Agreement requiring that any disputes be resolved through binding arbitration upon request by either party. 
Instead of complying with this agreement, Truist Bank filed a lawsuit against me in XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee ( Case No. XXXX ), without first offering me the opportunity to arbitrate. 
This directly violates the Federal Arbitration Act ( 9 U.S.C. 1-16 ), which mandates that courts must stay or dismiss cases when a valid arbitration agreement exists.

Deceptive and Misleading Conduct by Truist Banks Legal Representation : After Truist Bank initiated the lawsuit, I attempted to invoke my right to arbitration. However, Truist Banks attorney, XXXX XXXX XXXX, XXXX ( XXXX ), sent me a letter falsely stating that I was " not eligible '' for arbitration. 
This statement was untrue, as the court later acknowledged that I was, in fact, eligible for arbitration. 
This misrepresentation prevented me from exercising my contractual rights and led to an improper judgment against me. 
Improper Judgment and Unlawful Wage Garnishment : Because the case never should have been in civil court, the judgment obtained against me is void and unenforceable.

Despite this, Truist Bank has initiated wage garnishment based on this invalid judgment, causing me financial hardship. 
I have since filed a Motion to Set Aside the Judgment and a Motion to Stay Wage Garnishment due to the arbitration agreement violation, but I am already suffering harm from this improper 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 explanation
Consumer complaint received 2025-02-03 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: FL

Complaint narrative:
For multiple times of saying this, Ive had my identity stolen and need your assistance to quickly eliminate these fraudulent entries. Please delete this particular item at your earliest convenience and make sure to update all other inaccurate information without delay.

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 2025-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I got a phone call from XXXX XXXX XXXX saying I owe Wells Fargo money from XXXX  and they're attempting to collect a debt. The lady said her name was XXXX XXXX and she was very rude. I think she had a speech impediment. She was very aggressive. She already had my ss #, an old address, my new address, my phone number, and now she/they have my email. She kept threatening me with wage garnishment and freezing my bank account. I havent had Wells Fargo in like 20 years. Her unprofessionalism wad the first give away. She laughed when I told her I had an attorney and she said I couldn't pay my bills. She told me to get a job lol. She said either i settle on the phone right now or shell take me to court. I told her to email it to me. She said thats not this works and kept being aggressive with me Anyway niw she has 5 articles of my personal information and I'm worried they'll do more damage. What's my mitigation?

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 2025-02-03 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: TX

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

XXXX XXXX XXXX XXXX XXXX  -- {$150.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: OH

Complaint narrative:
According to credit reports Im experiencing damages that was not approved by me on my credit. This means that there has been a problem out of my control that needs fixing please and 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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc.
State: IL

Complaint narrative:
I never filed a bankruptcy with the state of Illinois and Im being told that I filed and dismissed a XXXX  XXXX when I never filed this report it was due to id theft and Im demanding they remove it from my profile the acccount XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently noticed a collection on my credit report for Experian, XXXX, and XXXX, but i am not familiar with this debt. I sent out letters on XX/XX/XXXX and XX/XX/XXXX asking for verifiable proof that this debt belonged to me. I asked for hard evidence that goes all the way back to the original creditor, and not verification from a third-party database. I just received notifications that the dispute was finished and the debt collector " XXXX XXXX '' was going to stay on my report, but i never received anything in the mail showing this debt belongs to me. This debt needs to be removed from my credit report according to the FCRA law.

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