vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXXXXXX : Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXXXXXX : Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX " In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 0 2 states I have the right to privacy ( 15 USC 1681 section 6 0 4 a section 2 ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. ''

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX  XXXX # XXXX, XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX " In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 0 2 states I have the right to privacy ( 15 USC 1681 section 6 0 4 a section 2 ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX " In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 0 2 states I have the right to privacy ( 15 USC 1681 section 6 0 4 a section 2 ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. ''

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I was paying on time for two years and then I lost my job and so did my husband. I fell behind in XXXX and XXXX of XXXX and they gave me an extension for two month but the next due date, they placed on the extension notice was XXXX XXXX but the extension was dated for XXXX XXXX and my new payoff date was XX/XX/XXXX XXXX they are always stating Im 77 to 88 days past due on my payments. then when I question it they tell me 33 days or 44 days late. as my payments from the day I bought the car was being applied to both principal and interest. Then everything started only going to interest only, maybe XXXX to XXXX dollars to principal. How is anyone able to truly pay off the vehicle from them. when I bought the vehicle from XXXX, I applied for financing through XXXX and all my Documentation is from XXXX only. Therefore, next I was notified that Bridgecrest had my car payments and If i knew it was Bridgecrest handling my loan I wouldve told them to come and get the car asap. I have copies of conversations between me and Bridgecrest and how they talked to their customers is bad. When you prove your point to them they tell you thats not what they have, then you ask well my information is from the portal of my account and youre telling me its wrong. Just like today I received a phone call telling me im 88 days late again when i just talked to them on Friday of last week.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$460.00} Personal Information Employers : XXXX XXXX XXXX XXXX XXXXurrent Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX  VIA DEALER, - XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXX XXXX XXXX XXXX  VIA DEALER, - XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXX XXXX XXXX XXXX XXXX XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXXXXXX XXXX XXXX XXXX VIA DEALER, - XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXX XXXX XXXX XXXX XXXX XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXX XXXX XXXX XXXX XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX VIA DEALER, - XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXX XXXX XXXX XXXX VIA DEALER, - XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXX XXXX XXXX XXXX XXXX XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXX XXXX XXXX XXXX  VIA DEALER, - XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXX XXXX XXXX XXXX XXXX XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXX XXXX XXXX XXXX XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b.

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 2025-01-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was told to make a complaint and dispute on any unauthorized activity.

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 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  [ XXXX ] [ XXXX ] [ XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Debt Validation Request - Reference # XXXX Dear Consumer Financial Protection Bureau XXXX XXXX am submitting this formal request for validation of a debt allegedly held by Harris & Harris , Ltd. and the XXXX XXXX XXXX XXXXXXXX XXXX XXXX Additionally, I am seeking assistance in negotiating the matter with the XXXX XXXX Department of Motor Vehicles. 

For the past XXXX weeks, since XX/XX/XXXX, I have attempted numerous times to contact Harris & Harris , Ltd. to discuss a payment plan for XXXX outstanding speeding tickets in XXXX XXXX XXXX, totaling {$360.00}. Unfortunately, my efforts to reach a representative have been unsuccessful. I have left voicemails and waited on hold for as long as an hour and a half without being able to speak with an agent.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am exercising my right to formally dispute this alleged debt and request full validation. Specifically, I request the following : XXXX that the debt is valid, including a detailed account of the charges and evidence of the original agreement or contractual obligation. 
Verification that Harris & Harris , Ltd., the XXXX XXXX XXXX XXXX  XXXX, and the XXXX XXXX Department of Motor Vehicles have the legal authority to collect and enforce this debt. 
A clear explanation of how the amount of {$360.00} was calculated, including any fees or interest applied.

Immediate cessation of all collection activities, including reporting this debt to credit reporting agencies, until validation has been provided. 
Given my current unemployment status, I am requesting an opportunity to negotiate a manageable payment plan directly with the XXXX XXXX Department of Motor Vehicles, without any increase in the debt amount. 

Furthermore, if validation can not be provided within 30 days of this letter, I request that the alleged debt be removed from my records, and any negative reporting to credit bureaus corrected accordingly. 

This letter also serves as a formal dispute of the debt. Please direct all future correspondence regarding this matter to me in writing. 

I trust that the CFPB will address my concerns promptly and ensure Harris & Harris , Ltd. and the other involved parties comply with consumer protection laws. Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX Date of Birth : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My Wells fargo Credit card account # XXXXXXXX XXXX XXXX XXXX ( Rewards account # XXXX ) had {$1200.00} in reward points, Wells fargo closed my account without any notification, Letter was written on XXXX & posted. I received the letter after the closure of account in XXXX. Now Wells faro denying access to my points or refusing to put those points towards the money I owe them. My online statement still showing the points i have on my account but wells fargo is refusing to give me my points or adjusting towards my account.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XX/XX/year> Experian

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 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Around XXXX I started noticing that a large amount of money was being taken out of my debit card and added to my credit card to pay bills. Because Im so busy and barely check emails I never checked and made a report. I then noticed that a charge of over {$800.00} was made on my credit card and I ended up reporting it but only received a new card but still my credit card was being used.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The dispute includes the following inaccuracies which were not properly and reviewed by Experian. 
Disputed Inaccuracies : XXXX. Inconsistent Status Updates : The account shows charged off monthly from XX/XX/XXXX to XX/XX/XXXX, despite being listed as updated in XX/XX/XXXX. If the account was charged off in XXXX, further monthly charge-off updates are inaccurate and misleading. 
XXXX. Incorrect Balance and Past Due Amount : The account is reported with a balance of {$8700.00} past due as of XX/XX/XXXX, despite being charged off. This suggests the ongoing accrual of balances or fees post-charge-off, which should be itemized and clarified. 
XXXX. Payment History Inconsistencies : Payment history data is incomplete or contradictory, showing no data ( ND ) for certain periods ( e.g., XX/XX/XXXX ) while overlapping with the charge-off designation in other months. 
XXXX. Misleading Removal Date : The account is listed to remain on my credit report until XX/XX/XXXX, but the exact date of the initial charge-off is unclear. If the charge-off occurred in XXXX, the account should not continue updating as charged off beyond that period.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX 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 Department Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Charge-Off Entry on My Credit Report Dear Equifax XXXX Department XXXX XXXX am writing to formally dispute a charge-off entry that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. If the information can not be verified within a reasonable time frame, it must be removed. 

The charge-off in question does not accurately reflect my credit history or the status of the account. I am requesting that you investigate and, if necessary, remove this charge-off entry from my credit report unless proper verification is provided. 

Under 15 U.S.C. 1681i, credit reporting agencies are required to investigate any disputed information within 30 days and to provide written confirmation of the results of the investigation. If the information is found to be inaccurate or incomplete, it must be corrected or removed. The presence of this charge-off on my credit report is damaging to my creditworthiness and violates my rights under federal law. 

Please investigate this matter and remove the charge-off entry from my credit report if it can not be properly verified. I request a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1681i Procedure in Case of Disputed Accuracy This section of the Fair Credit Reporting Act ( FCRA ) outlines the procedures for disputing inaccurate information on a credit report. It states : When a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute within 30 days. 
The agency must promptly notify the consumer of the results of the investigation. 
If the information is found to be inaccurate or incomplete, it must be corrected or removed from the consumers report.

Company response to consumer: Closed with non-monetary relief