vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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: TX

Complaint narrative:
I am writing to dispute inaccurate and contradictory information on my Equifax credit report concerning my XXXX XXXX XXXX Bank credit card account. The report shows the account as closed/charged off in XX/XX/year>, yet it continues to be reported as current afterward, despite being closed. Additionally, the payment history for XXXX, XXXX, and XXXX of 2021 reflects the account as XXXX  days late, which appears inconsistent given the other conflicting data. 

Details of Inaccuracy Contradictory Status : The account is listed as closed/charged off in XX/XX/year>. 
Despite showing as closed/charge off, the Equifax credit report continues to mark it current in subsequent months. This is contradictory and suggests inaccurate reporting. 
Inconsistent Late Payments : For XXXX, XXXX, and XXXX of 2021, the account is reported as XXXX days late each month, which indicates multiple conflicting remarks for the same period. This is inconsistent and raises questions about the validity of the reported delinquencies. 
These discrepancies not only misrepresent my credit history but also harm my overall credit profile. 

Legal Basis for Dispute & Requested Action Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute any inaccurate information in my credit file. Upon receiving this dispute, Equifax is obligated to : Conduct a Reasonable Reinvestigation ( 15 U.S.C. 1681i ) : Verify the accuracy of the disputed information with XXXX XXXX XXXX Bank. 
Correct or remove any information that can not be verified or is deemed inaccurate.

Comply with Furnisher Responsibilities ( 15 U.S.C. 1681s-2 ( b ) ) : The furnisher, in this case XXXX, must investigate, verify, and report back to Equifax correct and consistent data regarding my account. 
Specific Requests Verify Account Status and Dates : Please confirm the exact date this account was closed or charged off. 
If it was truly closed/charged off in XX/XX/year>, it should not subsequently report as current. 
Correct or Remove Inaccurate Late-Payment Notations : If XXXX can not substantiate the XXXX marks in XXXX, XXXX, and XXXX of 2021, these late-payment notations must be deleted or corrected. 

Once this investigation is complete, please send me a revised copy of my Equifax credit report reflecting the accurate status and payment history of this account. 
Failure to address these inaccuracies promptly will compel me consider any additional remedies permitted by law. 

Thank you for your timely attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: CBC Companies, Inc.
State: OH

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. XXXX XXXX XXXX XXXX XXXX XXXX certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: CA

Complaint narrative:
I was reviewing my credit report and came across something that doesnt belong there. Theres an item listed that I dont recognize and never authorized. I have no connection to it, and its bringing my credit score down unfairly.

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 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX : My Wells Fargo debit card got hacked. {$420.00} was purchased at XXXX XXXX XXXX in XXXX XXXXXXXX XXXX. I live in XXXXXXXX XXXX. Bank transferred money out of my savings account to checking to cover it. I never authorized them to do this! Post date : XX/XX/XXXX. I told bank on XX/XX/XXXX that the charge was fraudulent. After 10 days, gave me provincial credit. Informed me today, XX/XX/XXXX, they couldn't prove fraud & there's nothing they can do. On XX/XX/XXXX, they will deduct {$420.00} from my account. Their phone # is 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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The attachments below are in regards to active disputes of information. 

XXXX ) XXXX  letter showing actual XXXX and Student loan amount award dated XX/XX/XXXX. 

XXXX ) XXXX letter showing XXXX award {$5800.00} with {$100.00} over payment. 

XXXX ) XX/XX/XXXX Experian credit report showing XXXX XXXX XXXX XXXX ( XXXX overpayment ) owed balance of {$100.00} in the amount of {$5200.00}, not the actual {$5800.00}. 

The creditor has reported the actual original balance incorrect on my credit reports since XXXX. Since XXXX they have morphed the {$100.00} owed from a student loan, to {$100.00} owed for XXXX XXXX. XXXX not sure if thats because of a clerical error or a fraudulent clerical error done to oppress myself the consumer. 

XXXX ) XXXX bank statement XX/XX/XXXX. The last XXXX hours I was able to obtain this information by reaching out to them. 

They still owe me {$1000.00} for a returned wire transfer payment that was cancelled by myself on XX/XX/XXXX. 

On XX/XX/XXXX XXXX reissued a new card and {$1000.00} check for the returned/ cancelled wire transaction. 

They sent this to my address in XXXX on XX/XX/XXXX, however it was returned to them as undeliverable. 

On XX/XX/XXXX I received a email stating that the XXXX was unable to deliver the return kit and card and that the check and card had been returned to XXXX XXXX. 

XXXX  XXXX XXXX  never re-issued the credit of {$1000.00} to XXXX XXXX towards any debt that I owed in my student direct loan or for my supposed XXXX overpayment. 

Im not 100 % sure XXXX has or has not received this money from XXXX  XXXX XXXX If so they never applied it to any of my old student loans or supposed XXXX overpayment balances. 

Still to this day, I have not received this {$1000.00} credit. The bank has never contacted me in regards to them still possessing {$1000.00} of money they owe to me. 

The transactions that show on the bank statement seem as if there was a clerical error or if there was something fraudulently done. 


I did however cash XXXX of the XXXX wire transfers that was done on XX/XX/XXXX for {$1000.00}. 

The bank info is : XXXX XXXX XXXX, a wholly owned subsidiary of XXXX XXXX XXXX XXXX Accounts provided by XXXX XXXX XXXX  XXXX Member FDIC 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 explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: RENASANT CORPORATION
State: TN

Complaint narrative:
Hello Im XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$25000.00} Needs Attention Overview You have 100 % left to pay on this loan. 

Balance {$25000.00} Highest Balance $ XXXX  Monthly payment {$440.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Term XXXX  months XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$18000.00} Needs Attention XXXX XXXXXXXX XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed Hard inquiries XXXX  Inquiry : XXXX XXXX, XXXX + Banks XXXX Inquiry : XX/XX/XXXX + Banks XXXX XXXX  Inquiry : XX/XX/XXXX + Banks XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Banks XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Finance/Personal XXXX XXXX  XXXX : XXXX. XXXX, XXXX + Public records XXXX  XXXX bankruptcy : Bankruptcy XXXX. XXXX, XXXX + {$0.00} XXXX  XXXX bankruptcy dismissed/closed XXXX  XXXX bankruptcy : Bankruptcy XXXX. XXXX, XXXX + {$0.00} XXXX  XXXX bankruptcy dismissed/closed XXXX  XXXX bankruptcy : Bankruptcy XXXX XXXX, XXXX + {$0.00} XXXX  XXXX bankruptcy

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 2025-01-31 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 have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 2025-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I CEASE AND DESIST ALL MEDIUMS OF COMMUNICATION AND THAT INCLUDES THAT ON MY CONSUMER REPORT I WILL HOLD YOU LIABLE TO THE ORIGINAL AGREEMENT AND TAKE YOU THROUGH ARBITRATION IF NEEDED I DEMAND A PROPER METHOD OF VERIFICATION BE PROVIDED, THANK YOU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: PA

Complaint narrative:
Please ensure these unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not authorize these accounts, and their origin is unknown to me. Per USC 1681g, I am requesting their removal within 15 days. Attached are the necessary documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 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 2025-01-31 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 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 2025-01-31 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: SC

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am writing to formally dispute and request the removal of a collection account being reported on my credit report by LVNV Funding, LLC. I believe this account is being inaccurately reported and is unverifiable under the law. 

Account Details : Debt Buyer : LVNV Funding, LLC Amount Reported : {$1700.00} Reasons for Dispute : 1. Lack of Proper Documentation LVNV Funding, LLC has not provided legally required documentation proving that they own the debt or that I am responsible for it. Under 15 U.S.C. 1692g of the FDCPA, debt collectors must provide proper validation upon request.

2. Failure to Provide a Notice of Debt Validation I have not received a proper Notice of Debt Validation within the legally required time frame. Without this, the debt can not be legally collected or reported. 

XXXX. Incorrect Credit Reporting Despite previous disputes with the credit bureaus ( XXXX, XXXX, XXXX ), the account remains on my report without sufficient validation. Under 15 U.S.C. 1681s-2 of the FCRA, only verified and accurate information can be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: 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. 15 U.S.C 1681 section 602 A. 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. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. Equifax, TransUnion and Experian are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :

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 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Netspend Corporation
State: MI

Complaint narrative:
Netspend sent me a debit card without my consent. I did not sign up for a card with this company.

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 2025-01-31 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: VA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Account Name : XXXX XXXX  Account Number : XXXX Balance : XXXX Date account was opened : XX/XX/XXXX Account Name : XXXX  XXXX Account Number : XXXX Balance : {$2800.00} Date account was opened : XX/XX/XXXX Account Name : XXXX  Account Number : XXXX Balance : XXXX Date account was opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Balance : XXXX Date account was opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Loan Account Number : XXXX XXXX Balance : {$99000.00} Date account was opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Type : XXXX  XXXX Bankruptcy Discharged Date Filed : XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Date account was opened : 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 2025-01-31 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: VA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Account Name : XXXX XXXX  Account Number : XXXX Balance : XXXX Date account was opened : XX/XX/XXXX Account Name : XXXX  XXXX Account Number : XXXX Balance : {$2800.00} Date account was opened : XX/XX/XXXX Account Name : XXXX  Account Number : XXXX Balance : XXXX Date account was opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Balance : XXXX Date account was opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Loan Account Number : XXXX XXXX Balance : {$99000.00} Date account was opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Type : XXXX  XXXX Bankruptcy Discharged Date Filed : XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Date account was opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MO

Complaint narrative:
Company sent me someone else 's personal information and will not take accountability for it.

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 2025-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have sent numerous letters certified mail addressing my report to updated and score be availble to me. Blocking me out of the online system, and not properly codes of viloations XXXX. How did report # XXXX get removed out the system and why? XXXX. Any reports remaining closed I need to get a 1099 form by law. : I am writing to formally dispute inaccurate credit information that appears in my TransUnion credit report. It has come to my attention that my credit score and other reporting details do not match those provided by other credit bureaus, which is a violation of the Truth in Lending Act ( TILA ) and the Fair Credit Reporting Act ( FCRA ). As you are aware, consumers have the right to accurate and consistent reporting across all credit bureaus to ensure fair access to credit opportunities. 
Specifically, I have noticed significant discrepancies in my credit score as reported by TransUnion compared to other major credit bureaus. Such inconsistencies create unfair disadvantages when applying for loans, mortgages, and other financial services. Under TILA, lenders rely on this information to assess creditworthiness, and any incorrect reporting directly affects my financial stability and borrowing ability. 
I request that TransUnion promptly investigate and correct the discrepancies in my credit file. Please provide a detailed explanation of why my credit score and report differ from other credit bureaus and what actions you will take to rectify this issue. If necessary, I am prepared to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies. 
I kindly ask that you respond to this request within XXXX  days, as required by law. Please provide me with a written confirmation of the corrective actions taken. You may contact me at the information provided above should you require additional details.

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