vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
On XX/XX/XXXX I received a call from Wellsfargo and they did in need leave a message just not details and no extension. ( Proof that XXXX XXXX knows nothing and is lying sack of XXXX ) So how do I call back XXXX? 
Well anyways I called the incompetency is unreal from the random XXXX who answered. After putting in my dads social, she then asked for mine no problem then again asked for my dads excuse I am driving cause I am not waisting my life on these ridiculous lazy incompetent people that lack brain cells. Why should I? 
Are you going to work with ME to save my house? 
Are you going to save a person me thats now XXXX and can no longer work and needs to stay in her house to live? 
Youll get your passed due but you need to work with me! I am sick of working with the most XXXX, incompetent, XXXX. 
I dont have XXXX up front I have what I have that I can give you each month and your to XXXX take it! My mortgage is XXXX, then I will give you XXXX and you take the XXXX extra to what I owe! When I do my taxes youll get that money too. 
These people are out to murder people. You take my house your taking lives with it and its considered murder! How do you feel being murder? Can you sleep knowing that? 
Sick piece of XXXX you people are! 
Also I have a lawyer hes been trying to get a hold for you guys but you guys run and hang up!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-03-24 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: TX

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: DE

Complaint narrative:
I am writing to formally dispute several inquiries that l believe to be fraudulent and have negatively impacted my credit report. 
Below is a detailed list of the inquiries in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. These inquires and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$860.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXXXXXX - XXXX XXXX XX/XX/XXXX - {$3000.00} XXXX - XXXX - XX/XX/XXXX - {$800.00} XXXXXXXX XXXX  - XXXX - XX/XX/XXXX - {$2600.00} XXXX - XXXX - XX/XX/XXXX - {$15000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$750.00} XXXXXXXX XXXX  - XXXX - XX/XX/XXXX - {$800.00} INQUIRIES : XXXX XXXX XXXX XX/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 2025-03-24 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: GA

Complaint narrative:
I am formally disputing the continued reporting of the above-referenced account, which has already been deleted by XXXX and XXXX. Enclosed, you will find proof of these deletions. The fact that [ Credit Bureau Name ] continues to report this account despite its removal from other major credit bureaus is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and constitutes willful noncompliance under 15 U.S.C. 1681n.

Legal Violations & Case Law Supporting My Dispute 1. Failure to Maintain Accurate and Consistent Credit Reporting The FCRA 15 U.S.C. 1681e ( b ) requires credit bureaus to follow reasonable procedures to ensure maximum possible accuracy of consumer reports. 

Bryant v. TRW , Inc., 689 F.2d 72 ( 6th Cir. 1982 ) established that credit bureaus may be held liable for failing to update or remove inaccurate information. 



2. Failure to Verify the Accuracy of the Disputed Account The continued reporting of an account that XXXX and XXXX have already determined to be unverifiable and removed suggests that [ Credit Bureau Name ] is failing to conduct proper data validation. 

Richardson v. Equifax Credit Info. Servs., 2005 WL 1457994 ( E.D . Pa. 2005 ) ruled that if one credit bureau deletes an account, other bureaus must conduct an independent assessment instead of solely relying on furnishers. 

Sepulvado v. CSC Credit Servs., Inc. , 158 F.3d 890 ( 5th Cir. 1998 ) further confirmed that credit bureaus can not blindly rely on furnishers without ensuring the accuracy of reported data. 



3. Willful Noncompliance with FCRA Legal Liability Under 15 U.S.C. 1681n, credit bureaus are liable for willful violations of the FCRA, including knowingly reporting inaccurate information. 

Cortez v. TransUnion, LLC, 617 F.3d 688 ( 3d Cir. 2010 ) determined that credit bureaus may be held liable for failing to correct errors after being provided clear evidence of inaccuracies. 

Since XXXX and XXXX have already determined this account should be deleted, your continued reporting demonstrates reckless disregard for my consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
My identity was compromised and there are reposting affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: DE

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: DE

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 2025-03-24 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: IL

Complaint narrative:
It is incredibly disheartening to experience the violation of my consumer rights. Like anyone else, I deeply value my credit score, yet the inaccuracies on my credit report have severely impacted my financial opportunities and taken a toll on my mental health. Despite my repeated efforts to resolve these issues, my concerns have been consistently ignored or dismissed. This situation has caused significant frustration and stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete the accounts below : XX/XX/XXXXXXXX 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
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am a United States XXXX Veteran. My sir name is incorrect, I am a XXXX, not a XXXX. I have a payment due as of XX/XX/year> for the amount of {$19.00} I'm in the hospital a lot and not able to XXXX XXXX  so I don't get my mail often. I tried to tell them that this is not my debt but they did nothing, along with many other accounts on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: IL

Complaint narrative:
I recently gained access to my credit report and verified 3 accounts that do not belong to me. These accounts are named XXXX XXXX XXXX  XXXX - {$330.00}, The XXXX XXXX - {$3700.00} and XXXX XXXX XXXX - {$1700.00}. I have never applied for services with any of these companies or have credit through them. I need the credit reporting bureaus to correct this information as according to the FCRA in removing incorrect account information. I need the credit bureaus to investigate and verify my signature and accepted of the debt listed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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 recently gained access to my credit report and verified 3 accounts that do not belong to me. These accounts are named XXXX XXXX XXXX  XXXX - {$330.00}, The XXXX XXXX - {$3700.00} and XXXX XXXX XXXX - {$1700.00}. I have never applied for services with any of these companies or have credit through them. I need the credit reporting bureaus to correct this information as according to the FCRA in removing incorrect account information. I need the credit bureaus to investigate and verify my signature and accepted of the debt listed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Someone opened a Cabelas credit card under my name but with the wrong address and email address therefore I knew nothing about it until I got a call from a collections agency. Im trying to get it taken off but needing and wanting to file this complaint to do so

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: WY

Complaint narrative:
I am writing to inform you that I am a victim of the recent data breach and have discovered that fraudulent accounts may have been opened using my personal information. These unauthorized accounts are negatively impacting my credit report and causing harm to my credit standing.

As a result, I am requesting that all accounts mentioned in your records and any accounts that are harming my credit or have been opened fraudulently using my information be blocked and deleted, as required under 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ).

Please take the necessary actions to remove these fraudulent accounts from my credit report and ensure that my personal information is protected from further misuse. I would appreciate written confirmation of the actions taken to resolve this issue as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: GA

Complaint narrative:
RE : XXXX XXXX XXXX account number ending in : XXXX NOTICE : CEASE AND DESIST Pursuant to 15 USC 1692e ( c ) ATTN : To whom it may concern, I, XXXX XXXX the natural person Consumer '' ), have become aware of ( multiple violations of Consumer Credit Protection laws by XXXX XXXX XXXX in connection with the collection of an alleged debt. I have suffered various abuses including, but not limited to, identity theft, misleading representations, harassment, and the use of obscene and profane language in connection with the collection of the alleged debt. I am a victim of identity theft and i sent a cease and desist, and also sent a FTC

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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:
RE : XXXX XXXX XXXX account number ending in : XXXX NOTICE : CEASE AND DESIST Pursuant to 15 USC 1692e ( c ) ATTN : To whom it may concern, I, XXXX XXXX the natural person Consumer '' ), have become aware of ( multiple violations of Consumer Credit Protection laws by XXXX XXXX XXXX in connection with the collection of an alleged debt. I have suffered various abuses including, but not limited to, identity theft, misleading representations, harassment, and the use of obscene and profane language in connection with the collection of the alleged debt. I am a victim of identity theft and i sent a cease and desist, and also sent a FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Just so this is not retaliation for exercising my rights under the FCRA I would like for you to understand what states under 15 USC 1691 a ( 3 ) ( a ) Activities constituting discrimination It shall be unlawful for anycreditorto discriminate against anyapplicant, with respect to any aspect of acredittransaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided theapplicanthas the capacity to contract ) ; ( 2 ) because all or part of theapplicants income derives from any public assistance program ; or ( 3 ) BECAUSE THEAPPLICANTHAS IN GOOD FAITH EXERCISED ANY RIGHT UNDER THIS CHAPTER All I asked for is proof of the negative notice reflecting The Gramm-Leach-Bliley Act. You must provide the notice either before you furnish the negative information or within 30 days of furnishing it. Also HOW would I know those paperless statements are posted 21 before the due date? Im curious to know. You stated After conducting a review of your accounts ending in XXXX, XXXX, and XXXX, we made the decision to suspend and close your accounts on XX/XX/year>. Please be assured that the decision to suspend and close your accounts was based on business concerns that did not relate to your credit worthiness. For your reference, we have enclosed the letters we mailed to the address on file on XX/XX/year>, informing you of this decision SO if its not related to my credit worthiness what business concerns are you referring to?! I need full details please!! Seems very suspicious on how all three cards were closed/suspend on the day you responded to my dispute well past the 30 days of an investigation. Please explain!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute the late payment records reported on my auto loan account [ Account Number : XXXX ] as shown in my payment summary. Upon review, I believe that these late payment notations may be inaccurate and could be a result of finance charge miscalculations under the Truth in Lending Act ( TILA ) 15 U.S.C. 1605 ( a ).

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