vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 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 am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor Incorrect Name : XXXX XXXX XXXX XXXX XXXX Incorrect Address XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Charge Off XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$2000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX {$440.00} Date Opened : XX/XX/XXXX Collection XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$760.00} XXXX XXXX : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX {$440.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2025-03-18 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 listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$740000.00} - Remove late only CAPITAL XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} New lates XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$33000.00} - Chargeoff- XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$16000.00} -late/closed XXXXXXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$14000.00} -late/closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$34000.00} - Chargeoff XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$210.00} -late/closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Chargeoff

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 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: OH

Complaint narrative:
I am writing to formally demand that you cease and desist from reporting any inaccurate, misleading, or unauthorized derogatory marks and collections on my credit report. Upon reviewing my credit file, I discovered that your company has reported negative information that I believe to be inaccurate, unverifiable, or improperly placed in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: CA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My name is XXXX XXXX. I am writing to formally dispute inaccurate credit reporting from Transunion, Equifax, and Experian. Additionally, I am writing to understand how Transunion, Equifax, and Experian gather credit information, how long they are required to keep closed records on file, and the formula for generating a credit score. 

After pulling my credit report from all three companies and the following was discovered. 

Credit Score # of Credit Accounts # of Closed/Sold/Transferred Accounts Transunion XXXX XXXX XXXX Equifax XXXX XXXX XXXX Experian XXXX XXXX XXXX As you can see my credit scores, number of accounts, and the number of closed accounts vary between each company. Why and how does this happen? 

I have written to all three credit reporting agencies requesting the inaccurate information be removed from my credit history. I filed XXXX XXXX solely to secure a court date after a summary judgment was wrongfully entered against me by XXXX XXXX XXXX. This legal action allowed me to proceed to an appeal in XX/XX/XXXX. The appeal case, XXXX, ultimately overturned the summary judgment on XX/XX/XXXX. Following this, I requested a dismissal of my XXXX  XXXX case, which was approved on XX/XX/XXXX. Throughout this entire process I maintained my financial obligations, continuing to pay all my bills. My consistent XXXX  years of credit behavior reflects my financial responsibility. 

Finally, I want to highlight that I am not a typical borrower in terms of credit reporting. Over the years I have managed and grown a portfolio of XXXX companies, which involved numerous requests for credit. Through these efforts, I have provided over XXXX jobs throughout my career and I have consistently demonstrated a track record of growth and financial responsibility. Given this history, I would argue that my creditworthiness can not be judged purely by traditional credit score metrics, especially when it comes to larger amounts borrowed. I am open to discussing this further and would welcome the opportunity to explain how my unique business structure and history impact my financial decisions.

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 2025-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo continues to take FRAUDULENT charges from my account. They claim I overdraft for multiple transactions and charge multiple overdraft fees for an overdraft that is only XXXX transaction. For example I will overdraft for XXXX small transaction and then Wells Fargo complies a list of XXXX transactions that it claims causes the overdraft and then charges a {$35.00} fee for each transaction when in reality it is XXXX transaction that caused the overdraft. They are constantly taking money from my account. When I called to complain and ask for help the woman told me to make more money. I informed them that they are stealing from their poorest customers. The fact that they are able to get away with this is criminal. The woman I spoke to said I had a record of overstating somewhere around XXXX something times. I want that money returned to me. Wells Fargo steals from its customers everyday and someone needs to hold them accountable.

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 2025-03-18 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: LA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX # XXXX XX/XX/2024 -- {$5000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/2024

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 2025-03-18 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: NC

Complaint narrative:
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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: NC

Complaint narrative:
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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-18 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: MS

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-03-18 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: EQUIFAX, INC.
State: CO

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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I dont have any business with this company I have received XXXX alert in my XXXX XXXX XXXX  RESURGENT and as allowable under the Fair Debt Collections Practices Act, I am requesting validation of the alleged debt. 
Furthermore, I am allowed under the FCRA law to protect my privacy from third parties. I do not recall giving permission to XXXX for them to release my personal information to a third party. My personal information can only be revealed with my authorization ; therefore, my request is twofold and as follows : Validation of Debt and XXXX Authorization XXXX. I am requesting that the business associate provide debt validation for account in question above. Please provide that validation in the form of agreement, original bill, and a detailed statement of charges. 
XXXX. Please provide a breakdown of fees, including any collection costs, if any. 
XXXX. Please provide a copy of my signature with the original creditor to release my personal information to you. 
XXXX. Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer, if any. 
XXXX. Cease any credit bureau reporting until the debt has been validated by me. 
XXXX. Please provide me with a verified certificate if authority, and proof that your company is license to collect debt in my state. Kindly provide me with a license number and registered agent and service. 
XXXX. Finally, please provide an affidavit signed under penalty of perjury that your organization has violated any portion of the FCRA and FDCPA. 
Please send this information to my address listed above and accept this letter, sent certified mail, as my normal debt validation request, of which I am allowed under the FDCPA. 
Please note that by withholding the information you take full responsibility of my complaint will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the creditor of service and connection with this alleged debt. 
Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. 
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, in fact therefore exist. 
I await your reply with the above requested proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
ON ALL THREE OF THE CREDIT REPORTING AGENCIES, EXPERIAN, TRANSUNION & EQUIFAX THEIR IS INACCURATE PERSONAL INFORMATION INCLUDING MY NAME WHICH HAVE DIFFERENT ALIAS. AND MY ADDRESS WHICH IS LISTED AS MY FORMER ADDRESSES WITH MY CURRENT ADDRESS. IN PURSUANT TO TITLE 15 USC 1681e ( b ) & 15 USC 1681s-2 ( a ) MY PERSONAL INFORMATION IS REQUIRED TO BE ACCURATE. INACCURATE PERSONAL INFORMATION ON MY CREDIT REPORT HAS HARM MY FINANCIAL AND EMOTIONAL STANDING.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: MD

Complaint narrative:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: NJ

Complaint narrative:
I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove this entry immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with XXXX XXXX XXXX, Section XXXX, which clearly outlines the procedures to be followed. XXXX XXXX XXXX Date Opened : XX/XX/year> {$0.00}

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 2025-03-18 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: GA

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 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 2025-03-18 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: GA

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 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 2025-03-18 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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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