vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: CA

Complaint narrative:
I am writing to formally request the removal of an account from my credit report as reported by Equifax, Experian, and TransUnion. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-off for {$14000.00} from XXXX listed on my XXXX report, and following a thorough investigation, XXXX has XXXX removed this unverifiable debt from my report as of XX/XX/year>. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 

Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed.

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 2025-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX CREDIT/XXXX  SC XX/XX/year>, XXXX FINANCIAL XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX  SERVICE XX/XX/year> XXXX XXXX XX/XX/year>, XXXX  FINANCIAL XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year> & XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: IL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX CREDIT/XXXX  SC XX/XX/year>, XXXX FINANCIAL XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX  SERVICE XX/XX/year> XXXX XXXX XX/XX/year>, XXXX  FINANCIAL XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year> & XXXX XXXX XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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 am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-04-29 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: HI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-04-29 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: AZ

Complaint narrative:
I am a victim of identity theft, upon checking my credit report from your company I saw that theres multiple fraudulent accounts that I dont recognize and didnt authorize to have open.The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B ( 15 U.S.C. 1681c-2 ) of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my Identity Theft Reports and proof of my identity. A copy of section 605B ( 15 U.S.C. 1681c-2 ) of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers of that information. I appreciate your prompt attention to this matter, and await your reply. Sincerely, 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 2025-04-29 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: TX

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 
I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Equifax and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-04-29 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 addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-04-29 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
I got a loan to pay off my other payday loan but the interest rate is 795 %. This is way above the amount allowed by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: NC

Complaint narrative:
Subject : Failure to Reconcile Conflicting Credit Reporting XXXX XXXX XXXX XXXX XXXX Being Complained About : Experian Information Solutions , Inc . 

TransUnion, LLC Product : Credit Reporting Sub-product : Credit report Issue : Incorrect information on credit report Sub-issue : Information is incorrect Complaint Details : This complaint pertains to an auto loan account reported by XXXX XXXX XXXX XXXX ( Account ending in XXXX ). I previously disputed this account, and both TransUnion and Experian responded by marking the dispute as resolved. However, the information they are reporting remains materially inconsistent and demonstrably inaccurate. 

Inconsistencies Between TransUnion and Experian : Experian reports repeated monthly charge-offs from at least XXXX through XX/XX/year>, along with 30-day late payments starting XX/XX/year>. 

TransUnion, by contrast, shows " NR '' ( Not Reported ) for the same period, indicating no delinquency history at all. 

Worst Delinquency : Experian lists Charge Off/Other Derog, while TransUnion reports None Reported. 

Closed Date is only listed on TransUnion ( XX/XX/year> ), while last activity date is only shown on Experian ( XX/XX/year> ). 

Despite the label Dispute resolved consumer disagrees, neither bureau has reconciled or corrected the contradictory payment data. 

Legal Violations : FCRA 1681i ( a ) No reasonable reinvestigation appears to have been conducted despite the dispute. Conflicting reports should have triggered deletion or correction. 

FCRA 1681e ( b ) Both CRAs are failing to ensure maximum possible accuracy of credit information.

FCRA 1681s-2 ( b ) Continued reporting of materially different data after dispute constitutes noncompliance by the furnishers and the CRAs.

FCRA 1681n Their failure to resolve obvious contradictions suggests willful noncompliance.

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 2025-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I hope this message finds you well. I am writing to address a concern regarding the promotion I participated in when I opened my checking account back in XX/XX/year>. 

At the time, there was a promotion that offered a {$300.00} bonus for completing a direct deposit within 90 days of account opening. I received a code ( XXXX  ) via email, which I utilized during the online application process. 

Recently, when I called to inquire about the status of my bonus, I was informed that I was not eligible because the code was not attached to my account. I have also received a letter confirming this information. I find this situation quite troubling, as I followed all the necessary steps and provided the required code. 

I believe it is only fair that Wells Fargo honors this promotion, as I did provide the code and information needed to qualify. I would appreciate your assistance in resolving this matter promptly. 

Thank you for your attention to this issue. I look forward to your response.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I am submitting a follow-up complaint referencing CFPB XXXX # XXXX. 

I am a documented victim of identity theft. I submitted an FTC Identity Theft Report ( Ref. # XXXX ), sworn affidavit, highlighted report, and supporting documentation. ChexSystems refused to block or delete the unauthorized inquiries as required under FCRA XXXX and instead demanded a police report, which is not required under federal law. 

Under the Fair Credit Reporting Act, once the consumer has submitted a valid FTC Identity Theft Report with supporting documentation ( as I have ), ChexSystems is required to block the fraudulent information within XXXX business days under FCRA XXXX ( XXXX ) ( XXXX ). The statute clearly allows for identity theft reports with or without law enforcement involvement. 

I am demanding full compliance with federal law : Immediate blocking and deletion of all disputed inquiries and fraudulent entries. 

Removal of outdated or unverifiable personal information. 

Written confirmation mailed to me with a corrected consumer file. 

This willful noncompliance is grounds for civil penalties under FCRA XXXX and XXXX. If not resolved within XXXX business days, I will be filing suit in small claims court for full statutory damages. 

This complaint is submitted in good faith and applies solely to ChexSystems.

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 2025-04-29 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: TX

Complaint narrative:
Account # XXXXXXXX XXXX XXXX XXXX  According to the FCRA specifically 1681 ( e ) ( b ) which mandates that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy of the information they report .I am requesting that you investigate this matter and correct or remove the inaccurate information from my credit file as required by law. It is showing on my credit report on the status as past due as of XX/XX/year>. The last time the account was up to date was in XXXX. After that date it is reporting the account was charged off and reported every single month as charged off starting XXXX to XXXX. This is reporting inaccurate information on my credit report and a violation of FCRA. Please send me proper verification or remove this off of my credit profile within 15 days.

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 2025-04-29 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: IN

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 2025-04-29 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: IN

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 2025-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westcreek Financial
State: TX

Complaint narrative:
Monday- Saturday this collector has reached out to me from XXXX to collect debt that I did not agree to, I would like to get this completely removed not just written off " I have not supplied proof under the doctrine of XXXX XXXX XXXX, Engelhardt v Gravens ( Mo ) 281 SW 715 719 | May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists '' Filed a report with the FTC & would like these reflected as deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: IL

Complaint narrative:
On XX/XX/XXXX, I noticed a credit card account reported on my TransUnion credit report with a balance of {$2500.00}, marked as a charge-off. On XX/XX/XXXX, I sent a dispute letter to TransUnion, identifying inconsistencies in their reporting compared to other bureaus : TransUnion reported the opening date as XX/XX/XXXX, while others reported XX/XX/XXXX ; the credit limit was {$2000.00} on TransUnion, but missing elsewhere ; payment history varied, with TransUnion showing XXXX day delinquencies, while others showed " OK '' until charge-off. I requested a reinvestigation and removal of the inaccurate information. On the same day, I sent a validation request to XXXX Bank, who responded on XX/XX/XXXX, but failed to provide verifiable documentation ( signed agreement, payment history, delinquency notices, Form XXXX, proof the account was not sold ). On XX/XX/XXXX, I sent a follow-up letter to TransUnion, noting that since XXXX Bank could not validate the debt, TransUnion 's reporting is unverifiable and should be removed. TransUnion has not corrected or removed the inaccurate information, impacting 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 non-monetary relief