vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit
State: ME

Complaint narrative:
VW credit has been reporting that I have missed payments since the day the vehicle was a total loss. The credit report shows that the vehicle was repossessed but that information is incorrect. The vehicle was involved in a car accident and the insurance company deemed it a total loss. I have provided information that the insurance company paid the loan off with VW credit. The remaining balance was paid off by the gap insurance company. I do not have information about the gap insurance but VW will not provide any details to me. The vehicle was paid off and the title was released to the insurance company. There are no payment remaining on the vehicle. And it was not repossessed by VW. The misinformation they are reporting on my credit report has impacted my credit negatively and has made it difficult for me to move forward with purchasing a vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-08 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: VA

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: VA

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential 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 2025-04-08 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: IN

Complaint narrative:
Hi, I am writing to correct my personal information on my credit report as it is inaccurate and I am having trouble with my credit applications because of it which is extremely frustrating.

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 2025-04-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
CEASE AND DESIST XXXXXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX Date : XX/XX/year> I would like to request, in writing, that you MUST contact me ONLY via the address noted in this letter and through no other medium. These other mediums include but are not limited to phone, email, social media, place of employment, and any credit reporting agencies. I wish ONLY to be contacted with the following information requested as well as any updates on this account being deleted or updated as instructed.

Please provide me the following information : 1. Name and address of alleged creditor : __________________________ 2. Name on file of alleged debtor : __________________________ 3. Alleged account number : __________________________ 4. Date that this alleged debt became payable : __________________________ 5. Amount of alleged debt : __________________________ 6. Was this alleged debt purchased or assigned to a debt collector? __________________________ 7. Amount paid if debt was purchased : __________________________ 8. Commission for debt if collection efforts are successful : __________________________ PLEASE ALSO ATTACH COPIES OF THE FOLLOWING INFORMATION REGARDING THIS ALLEGED DEBT : 1. Original contract of debtor with debtors wet ink signature. 
2. All statements while this account was open.

3. Any and all accounting documents associated with this alleged debt.

I would furthermore like to know who gave your company authority to collect on this alleged debt and please provide proof that your company has the right to collect on this alleged debt. Please also tell me if any insurance claims or judgments have been made by any creditor regarding this account.

Please provide me with the name and address of the bonding agent for XXXX XXXX XXXX, in case legal action has to be taken. 

You must provide me with all the information I have provided to you or other transfer agreements which would establish your right to collect on this alleged debt within 30 days from the date of your receipt of this letter. 

YOUR CLAIM CAN NOT AND WILL NOT be considered valid if any portion or documents have not been provided as instructed by the consumer. This is a request for validation according to the FDCPA. 

Thank you for your attention in this matter, XXXX : XXXX XXXX XXXX, All Natural Rights Reserved!

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 2025-04-08 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: NY

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-04-08 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: WI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-08 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: MI

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I WANT THIS INACCURATE ACCOUNTS REMOVED AND BLOCKED FROM MY CREDIT REPORT WITHIN 5 BUSINESS DAYS!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: TX

Complaint narrative:
Subject : Identity Theft Request to Block Fraudulent Accounts under FCRA 605B ( 15 U.S. Code 1681c-2 ) Dear credit Bureaus, I am writing to formally notify you that I am a victim of identity theft and to request, pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S. Code 1681c-2 ), that the following fraudulent accounts be blocked from my credit report. These accounts were not opened or authorized by me, and I request that they be permanently removed from my credit file. 

The fraudulent and unauthorized accounts are as follows : 1. XXXX XXXX - XXXX, Acct # XXXX 2. XXXX XXXX XXXX XXXX, Acct # XXXX 3. XXXX - XXXX, Acct # XXXX 4. XXXX - XXXX, Acct # XXXX 5. XXXX. XXXX - XXXX, Acct # XXXX ( XXXX XXXX : XXXX ) 6. XXXX XXXX - XXXX, Acct # XXXX ( Original Creditor : XXXX XXXX  ) 7. XXXX - XXXX, Acct # XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) 8. XXXX - XXXX, Acct # XXXX ( Original Creditor : XXXX ) In accordance with FCRA XXXX, I am including the following documentation to support my request : A copy of my government-issued photo identification A copy of a recent utility bill or other document showing my current address A copy of the Identity Theft Report ( e.g., a police report or FTC XXXX affidavit ) Please block the reporting of these accounts within four ( 4 ) business days of receiving this request, and send me written confirmation of the removal. Additionally, ensure that each furnisher of this fraudulent information is notified of the block in accordance with FCRA requirements. 

I appreciate your prompt attention to this serious matter. Please mail me a confirmation of your actions and a copy of my updated credit report. 

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 non-monetary relief
Consumer complaint received 2025-04-08 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: TX

Complaint narrative:
Subject : Identity Theft Request to Block Fraudulent Accounts under FCRA 605B ( 15 U.S. Code 1681c-2 ) Dear credit Bureaus, I am writing to formally notify you that I am a victim of identity theft and to request, pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S. Code 1681c-2 ), that the following fraudulent accounts be blocked from my credit report. These accounts were not opened or authorized by me, and I request that they be permanently removed from my credit file. 

The fraudulent and unauthorized accounts are as follows : 1. XXXX XXXX - XXXX, Acct # XXXX 2. XXXX XXXX XXXX XXXX, Acct # XXXX 3. XXXX - XXXX, Acct # XXXX 4. XXXX - XXXX, Acct # XXXX 5. XXXX. XXXX - XXXX, Acct # XXXX ( XXXX XXXX : XXXX ) 6. XXXX XXXX - XXXX, Acct # XXXX ( Original Creditor : XXXX XXXX  ) 7. XXXX - XXXX, Acct # XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) 8. XXXX - XXXX, Acct # XXXX ( Original Creditor : XXXX ) In accordance with FCRA XXXX, I am including the following documentation to support my request : A copy of my government-issued photo identification A copy of a recent utility bill or other document showing my current address A copy of the Identity Theft Report ( e.g., a police report or FTC XXXX affidavit ) Please block the reporting of these accounts within four ( 4 ) business days of receiving this request, and send me written confirmation of the removal. Additionally, ensure that each furnisher of this fraudulent information is notified of the block in accordance with FCRA requirements. 

I appreciate your prompt attention to this serious matter. Please mail me a confirmation of your actions and a copy of my updated credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN 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 a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of 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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the following fraudulent accounts on my Transunion credit report, which I believe violate several provisions of the Fair Credit Reporting Act ( FCRA ). 
Fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request the immediate removal of these accounts under the FCRA, specifically 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681 ( 5 ) , and 15 USC 1681c ( c ) . Furthermore, as per Law 605 B, these fraudulent accounts should be eliminated from my credit report. As such, it is imperative that Transunion address this matter in accordance with the FCRA. 

I appreciate your prompt attention to this matter, I look forward to receiving written confirmation of the removal of these fraudulent accounts from my credit report. 
Thank you for your time and cooperation.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
- I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received an offer from Wells Fargo via email stating that if I opened a new savings account and it was funded with {$25000.00} and held for 90 days, I would receive a bonus of {$520.00}, which would be deposited into my Wells Fargo Way2Save Savings. 
I deposited {$360.00} on XXXX and {$23000.00} on XXXX and another {$720.00} on XXXX. I also deposited {$3.00} from my Wells Fargo Credit Card Rewards account.

This totaled {$25000.00}. I waited the 90 days required by the offer and maintained a balance of {$25000.00} the entire period. Reviewing my account no deposit was made. I then went into the Wells Fargo Bank in XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX XXXX ) as asked the the customer service banker, XXXX XXXX XXXX why I did not get the {$520.00}. XXXX XXXX, stated, " it will be deposited in the next 30 days ''. I waited the next thirty days and did not see the bonus deposited into my Wells Fargo Way2save Savings account. I returned to the Wells Fargo in XXXX XXXX and ask the Banker why I did not receive my bonus? He stated he would look into it and get back to me in 10 days. I waited another ten days and no reply or bonus. I then called the Wells Fargo customer phone number and asked what was the status of my bonus? I was not given a reason why my bonus was not deposited. I told I would have to wait another 10 days. After ten more days, I went into another the Wells Fargo Bank in XXXX XXXX ( XXXX XXXX Branch ) and asked to see the branch manager. The Branch Manager, the manager said he would look into it and get back to me. I was given a referral number and waited another five days. I customer service representative called from Wells Fargo and said I did not complete the requirements of the terms of the offer. They stated I did not deposit the {$25000.00} of new money, which was not true. Wells Fargo held my {$25000.00} for over 4 months and paid me a total of XXXX cents. Interest. I have sent Wells Fargo a demand letter for the bonus on XXXX via certified mail.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
After taking a look at my credit file I noticed that a fraudulent account, that was already deleted, was put back on my file without a 5 day written notice directly to me in compliance to my rights in the FCRA. I need you to remove this account from my file being that it is fraudulent, already removed from my file, and is in violation with the FCRA. 

XXXX XXXX XXXX {$730.00} XXXX date opened : XX/XX/scrub> 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 explanation