vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: CT

Complaint narrative:
I am not sure the box selected is the correct one, it's the closest one to select due to the issue Identity Fraud. There is a credit card that has shown up on my XXXX  report that I do not own, never owned or have. I was notified by XXXX  when they sent me an email making me aware I have a negative inquiry on my credit report. I reached out to " XXXX XXXX XXXX '' as written on my report, to make them aware, I don't have the card in question and never did. They have since blocked the card. XXXX  made me aware to contact you as well to put complaint on file. XXXX  is conducting an investigation. The item showed up on my credit report approx XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: GA

Complaint narrative:
The address that I have on my credit report is wrong or old addresses. I have sent a dispute in on my credit reports. Please remove my old address as I have been trying to get resolved for a while. I have tried a couple of times to dispute but It always seems to not work

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 2025-05-14 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed 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 have listed those items in my Identity Theft Report as well as highlighting those items on the credit report which is attached. Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address ( listed below ) : Full Name : XXXX XXXX XXXX XXXX Full Address : XXXX XXXX XXXX XXXX, CA XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Attached in the upload are the following : - A copy of my credit report I received from your company. The fraudulent items are highlighted. 
- A copy of my Identity Theft Report and proof of my identity. 
- A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.

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 2025-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo had someone come out and repo my car. They stole items from my car. They took the car to XXXX to the auction. I paid the car off in full! They never brought the car back for XXXX weeks. When I got the car back it didnt work at all! Its still not working! I will sue them if I have to! My car was working when they picked it up from work and now it doesnt!

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 2025-05-14 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: NJ

Complaint narrative:
Im disputing one account thats only showing on my TransUnion report : XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) for the nth time. This account doesnt show up on XXXX XXXX XXXX XXXX which tells me they either deleted it or didnt find it accurate. I never gave permission for this account to be included in my file anyway, and this is not the first time XXXX disputing it. Ive raised this issue again and again, and TransUnion just keeps reporting it without giving me any real explanation. They keep marking it as verified but never tell me how, who verified it, or show any proof. Thats the problem Im facing with them. Under the Fair Credit Reporting Act, theyre required to follow the lawthis includes 15 U.S.C. 1681b ( no valid permissible purpose ), 15 U.S.C. 1681e ( b ) ( failure to ensure accuracy ), and 15 U.S.C. 1681i ( failure to reinvestigate ). I also have a right under 15 U.S.C. 1681i ( a ) ( 7 ) to know how the investigation was done, but Ive received nothing. And under 15 U.S.C. 1681c-2, once I reported that this account is a result of identity theft, TransUnion was XXXX required to block it from my filebut they still havent. This whole thing is hurting my credit and making it harder for me to get approved for things like housing and loans. So Im asking againfor this account to be permanently deleted from my TransUnion file and for them to send written confirmation.

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 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX Email : XXXX Date : XX/XX/year> Credit Acceptance XXXX XXXXXXXX XXXX XXXX, MI XXXX RE : Request for Debt Validation under the FDCPA Account Number : XXXX To Whom It May Concern, I am writing to formally request validation of the debt referenced above, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g. 

I do not acknowledge that I owe this debt and request that you provide the following information : 1. A detailed, itemized statement showing how the amount of {$10000.00} was calculated. 
2. A copy of the original contract or agreement that verifies my obligation to pay this debt. 
3. The name and address of the original creditor, if different from Credit Acceptance. 
4. Proof that Credit Acceptance has the legal right to collect on this alleged debt. 
5. Verification that this debt is not time-barred or otherwise in violation of state or federal collection laws. 

Until this information is provided, I request that you cease all collection activity, including reporting to any credit bureaus. Please note that failure to comply with this request may be a violation of the FDCPA. 

This letter is not an admission of liability for this debt. Please respond in writing to the address above. 

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 2025-05-14 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  168P1n - Civil Liability for Willful Noncompliance\n\nMy Correct Name is     XXXX XXXX XXXXXXXXThe names listed below are Incorrect; DELETE IMMEDIATELY: The following names are Wrong: DELETE AND UPDATE TO MY CORRECT LEGAL NAME ABOVE. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My Correct Address is XXXX XXXX XXXX XXXX XXXX, NC XXXX\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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDELETE ALL EMPLOYMENT LISTED AS IT IS NOT REQUIRED! XXXX XXXX XXXX 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 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 2025-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC
State: IN

Complaint narrative:
Account XXXX XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute the account. If you believe you have sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my credit report. or i will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: GA

Complaint narrative:
I am a victim of XXXX XXXX Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX XXXX Account Number : XXXX * * * * * XXXX Account Number : XXXX * * Inquiry XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to file a complaint regarding several unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries, nor did I initiate any credit applications related to them. I have contacted the credit reporting agencies to dispute these inquiries, but the issue has not been resolved. These inquiries are negatively affecting my credit score, and I would like them removed as soon as possible. XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


Thank you for your attention.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After reviewing my credit report I noticed that there is a XXXX XXXX XXXX  XXXX items listed on my credit reports. 
Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 
The original creditor in this case would be the XXXX XXXX  XXXX. 

The bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. XXXX has provided documentation that it could not validate this public record information. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. 

Public records information is NEVER validated by the Recorder of Deeds nor the XXXX XXXX XXXX system due to the Fair Credit Reporting Agency PRIVACY LAW. 
Public records information is NEVER validated by the Recorder of Deeds nor the XXXX XXXX XXXX system due to the Fair Credit Reporting Agency PRIVACY LAW. You, ARE BREAKING THE LAW AND ARE COMMITING FRAUD AS YOU NEVER validated or verified these public record entries on my credit report which is a violation of violation of 15 USC 1681a ( e ). 

An investigative consumer report is when any portion of which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

You are also violating 15 USC 1681b ( a ) ( 2 ) considering you do NOT have my consent to furnish any information.

Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report. 

You, CREDIT REPORTING AGENCY and your fraudulent activity and continuous violations are causing me great injury as you are preventing me from receiving credit to support and sustain my family.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After reviewing my credit report I noticed that there is a XXXX XXXX XXXX  XXXX items listed on my credit reports. 
Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 
The original creditor in this case would be the XXXX XXXX  XXXX. 

The bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. XXXX has provided documentation that it could not validate this public record information. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. 

Public records information is NEVER validated by the Recorder of Deeds nor the XXXX XXXX XXXX system due to the Fair Credit Reporting Agency PRIVACY LAW. 
Public records information is NEVER validated by the Recorder of Deeds nor the XXXX XXXX XXXX system due to the Fair Credit Reporting Agency PRIVACY LAW. You, ARE BREAKING THE LAW AND ARE COMMITING FRAUD AS YOU NEVER validated or verified these public record entries on my credit report which is a violation of violation of 15 USC 1681a ( e ). 

An investigative consumer report is when any portion of which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

You are also violating 15 USC 1681b ( a ) ( 2 ) considering you do NOT have my consent to furnish any information.

Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report. 

You, CREDIT REPORTING AGENCY and your fraudulent activity and continuous violations are causing me great injury as you are preventing me from receiving credit to support and sustain my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: WA

Complaint narrative:
On XX/XX/year>, CONSUMER ADJ began reporting a debt of {$2300.00} to all three credit bureaus XXXX XXXX XXXX XXXX which I do not recognize or owe. I have never received any documentation or communication from this company explaining the nature of this debt, nor have I had any business relationship with them. 

I have already disputed this debt with the credit reporting agencies, but it remains on my credit report and continues to affect my credit score negatively. I am requesting a formal investigation and the removal of this inaccurate account from my credit history. 

This debt is not mine, and I am asking that CONSUMER ADJ provide valid proof of the debt, including an itemized statement and original creditor information. If they can not verify this debt, it must be removed from all three credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-05-14 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:
This year in XXXX, I have discovered accounts that have been opened in my name without my consent or knowledge. This unauthorized activity is a direct violation of my privacy and the result of identity theft. These accounts must be BLOCKED and remove as soon as possible as they are negatively impacting my life and hurting my credit as well. The fraudulent accounts include : XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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:
This year in XXXX, I have discovered accounts that have been opened in my name without my consent or knowledge. This unauthorized activity is a direct violation of my privacy and the result of identity theft. These accounts must be BLOCKED and remove as soon as possible as they are negatively impacting my life and hurting my credit as well. The fraudulent accounts include : XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief