vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 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:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, Equifax, Experian . These accounts needs to be removed immediately.

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$11000.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$660.00} XXXX Funding Date Opened XX/XX/XXXX Balance {$430.00} XXXX XXXX Date Opened XX/XX/XXXX {$0.00} XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$250.00} XXXX  Date Opened XX/XX/XXXX Balance {$340.00} XXXX XXXX XXXX 
Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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 RECENTLY REVIEWD A COPY OF MY CREDIT REPORT AND I WAS SHOCKED TO SEE THAT I WAS A VICTIM OF IDENITY THEFT. I FOUND FRAUDLUENT CLOSED CREDIT CARD ACCOUNT ON MY REPORTAND THAT WERE NOT OPEN BY ME. THIS BEEN HURTING MY CREDIT REPORT AND MY FEELINGS SINCE I AM PROCESS OF BUYING A HOUSE FOR MY FAMILY. PLEASE REMOVE THOSE FRAUDULENT CLOSED CREDOT CARD ACCOUNT FROM MY CREDIT REPORT SOON AS POSIBLE. HERE IS THE INFORMATION FOR THAT CREDIT CARD ACCOUNTS. XXXX XXXX ACCOUNT NUMBER XXXX, OPEN DATE XX/XX/year>, BALANCE {$3900.00}. THANK YOU IN ADVINCE.

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 2025-03-04 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:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: IL

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 USC1681. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX {$23000.00} Account Name : XXXX XXXX XXXX XXXXXXXX {$600.00} Account Name : XXXX XXXX # XXXX {$9700.00} Account Name : XXXX XXXX # XXXX {$980.00} Account Name : XXXX XXXX # XXXX {$1500.00} Account Name : XXXX XXXX XXXX ( XXXX  ) # XXXX {$260.00} Account Name : XXXX XXXX ( XXXX ) # XXXX {$4800.00} Account Name : XXXX XXXX XXXX ( XXXX ) # XXXX {$2600.00} Account Name : XXXXXXXX XXXX XXXX  ( XXXX ) # XXXX {$1400.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX {$600.00} Account Name XXXX XXXX XXXX XXXX XXXXXXXX {$62.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1500.00} Account Name : US Dept of EDXXXX XXXX XXXX {$510.00} I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 
And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 shall ( i ) 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.

and according to 15 USC 1681s-2 they are supposed to 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Cease and desist Letter mailed on XX/XX/XXXX  Certified mail ( see attached ) Portfolio Recovery continues to call : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX voice message from XXXX XXXX XXXX Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from a Portfolio XXXX  phone number of XXXX XXXX from Portfolio XXXX  number of XXXX XX/XX/2025 XXXX XXXX  from Portfolio number of XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX from Portfolio XXXX  number of XXXX XX/XX/2025 XXXX XXXX  from Portfolio number XXXX XX/XX/2025 XXXXXXXX XXXX from Portfolio number XXXX It is my understanding from the Fair Debt and Collection act that each phone call from a collection agency is subject to a {$1000.00} fine per call. 
I do intend to sue for this fine. I also intend to file a complaint with the Missouri Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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:
My Equifax credit report contains late payment remarks that I strongly believe are inaccurate. These misleading records do not reflect my actual payment history and are causing unnecessary harm to my financial standing. I will not allow these errors to remain unchallenged. 

I have maintained responsible financial habits, yet these inaccuracies continue to create barriers. The Fair Credit Reporting Act ( FCRA ) requires that all reported information be accurate and verifiable. Any outdated, incorrect, or unverifiable late payment records must be removed immediately. My report reflects inaccurate late payment remarks for XXXX XXXX ( XXXX ), which must be thoroughly reviewed and corrected without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-03-04 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: ID

Complaint narrative:
Credit Card Account has been paid off and closed. Still showing up as open account.

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 2025-03-04 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: RI

Complaint narrative:
I am disputing a late payment reported by XXXX XXXX XXXX  for my mortgage loan in XX/XX/year>. This negative mark on my credit report is unfair and does not accurately reflect my payment history. 

Lack of Proper Notification : I was not informed of a payment shortfall until XX/XX/year>, when XXXX XXXX called me about the issue. I was not aware that my {$15.00} escrow shortage would result in a reported late payment. 

Immediate Payment Made : As soon as I was notified, I paid the full balance immediately to bring the account current. 

Strong Payment History : I have made 47 consecutive on-time payments on this mortgage, and this was a minor escrow-related shortfall. 

Possible Reporting Error : Given that my principal and interest were paid, and only escrow was short, this should not have been reported as a full delinquency. In addition, there is a money buffer built into my escrow account to account for changes in escrow.

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 2025-03-04 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: RI

Complaint narrative:
I am disputing a late payment reported by XXXX XXXX XXXX  for my mortgage loan in XX/XX/year>. This negative mark on my credit report is unfair and does not accurately reflect my payment history. 

Lack of Proper Notification : I was not informed of a payment shortfall until XX/XX/year>, when XXXX XXXX called me about the issue. I was not aware that my {$15.00} escrow shortage would result in a reported late payment. 

Immediate Payment Made : As soon as I was notified, I paid the full balance immediately to bring the account current. 

Strong Payment History : I have made 47 consecutive on-time payments on this mortgage, and this was a minor escrow-related shortfall. 

Possible Reporting Error : Given that my principal and interest were paid, and only escrow was short, this should not have been reported as a full delinquency. In addition, there is a money buffer built into my escrow account to account for changes in escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: RI

Complaint narrative:
I am disputing a late payment reported by XXXX XXXX XXXX  for my mortgage loan in XX/XX/year>. This negative mark on my credit report is unfair and does not accurately reflect my payment history. 

Lack of Proper Notification : I was not informed of a payment shortfall until XX/XX/year>, when XXXX XXXX called me about the issue. I was not aware that my {$15.00} escrow shortage would result in a reported late payment. 

Immediate Payment Made : As soon as I was notified, I paid the full balance immediately to bring the account current. 

Strong Payment History : I have made 47 consecutive on-time payments on this mortgage, and this was a minor escrow-related shortfall. 

Possible Reporting Error : Given that my principal and interest were paid, and only escrow was short, this should not have been reported as a full delinquency. In addition, there is a money buffer built into my escrow account to account for changes in escrow.

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-03-04 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was alarmed to discover multiple inaccuracies in my personal information that should never have been there. These are not minor errorsthey are misrepresentations that could impact my financial credibility. I refuse to allow incorrect information to remain on my report and demand an immediate and thorough investigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these errors can not be substantiated with solid proof, they must be removed immediately. This is not a simple requestit is a demand for compliance with federal law. My report incorrectly lists the names " XXXX XXXX '' and " XXXX XXXX '' under my personal information. These names do not belong to me and must be removed without delay.

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 2025-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Well Fargo Bank On XX/XX/year>XXXX  an unknown unauthorized person was able to access my primary check account, they created a savings account and somehow was able to transfer all my primary checking account balance into that savings account. After this they withdrew all the $ it was {$45000.00}. How could the bank allow this. Husband rec 'd a call from a WF rep? after this happened don't know if it was legit they said it was someone named XXXX XXXX? This rep was in the XXXX XXXX. I looked at my account online right after this on my computer and my checking account was not even showing on the screen. It was completely gone. I immediately went to the bank and filed a fraud stolen $ report. I have a letter dated XX/XX/year>XXXX  telling me the claim is closed. It did not say the $ was being returned but I saw a banker the day before this letter arrived and she stated no $ being returned. This banker filed a complaint and asked that it be escalated and re-reviewed again. I also called WFB the day after receiving the letter and demanded they reopen the case. As of today XX/XX/year> I have heard nothing. I work for the fed gov't my paycheck comes from the dept of treasury. This is a crime. I have filed a police report with the XXXX, CO police dept. and the 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 monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am writing regarding a collection account that is being reported in my credit report on potential violation of fair credit and debt collection laws. 
The collection account in question is reported by BANK OF AMERICA has a balance of {$8900.00}. Despite the account remaining on my credit report, I have not received a Form 1099-C ( Cancellation of Debt ) as required when a debt is canceled or discharged in accordance with IRS guidelines .

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), creditors and collection agencies must ensure accurate and fair reporting. Reporting a debt without issuing a required 1099-C form raises questions about the validity of the debt and compliance with federal regulations.

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Self Financial Inc.
State: PA

Complaint narrative:
I have try and try to reach out to these companies and of course they kept playing games and saying this is you debt so pay it.. then keep calling all night long saying the same things but when I ask for a copy of the report they hang up

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I have try and try to reach out to these companies and of course they kept playing games and saying this is you debt so pay it.. then keep calling all night long saying the same things but when I ask for a copy of the report they hang up

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation