vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: LEXISNEXIS
State: MI

Complaint narrative:
The stolen trust account checks the criminal XXXXXXXX XXXX XXXX XXXXXXXX XXXX fake XXXX is fake a Crime were the same trust account checks established by the office of the currency as XXXX # XXXX and are violating federal law an XXXXXXXX XXXX that committed several criminal offense you corrupt regulatory complaints XXXX XXXX she lied to me she said YES my missing SSI benefits are there to n the XXXX XXXX XXXX account and she would get it to me. I told her XXXX and XXXX  check fraud investigator told that fake SSN number above led to that account.and you sent this fake letter dated XX/XX/year> that I have never received until today because after XXXX complaints about your employee XXXX XXXX telling me on XXXX at XXXX spoke XXXX minutes telling me my loan is there fraudulently. XXXX XXXX  XXXX are breaking the Law and must be fined by the CFPB ain't no way around fining boa these are liar and crooks and you can not lie and say you protecting a criminal that committed a crime against an American citizen to avoid festing up that the bank committed the fraud led by XXXX XXXX of XXXX XXXX. The fraud has been a confession by XXXX XXXX XXXX of XXXX title as fraud CFPB XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX as XXXX. But the resolution complaint is XXXX XXXX fraud by XXXX XXXX XXXX 21 years that on the bottom of your letter attached you fraudulently imposed on the legal owner of the property that has been verified by XXXX XXXX XXXX XXXX XXXX. You violating the FCRA laws there has never been a XXXX loan debt imposed on me and XXXX deleted the false foreclosure information from the record and is now headed for a resolution but XXXX XXXX XXXXXXXX must stop all the lying and fraud and be fined by the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: MI

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: MI

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your 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 2025-01-06 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 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 605B 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 2025-01-06 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: NV

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-01-06 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: Westlake Services, LLC
State: NY

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: NJ

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the FTC report. If this situation is not handled accordingly, I will seek legal action against you guys.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: CA

Complaint narrative:
Upon reviewing my credit report I have discovered fraudulent accounts and hard inquiries present on it, please dispute these following information, XXXX XXXX opened on XX/XX/XXXX and closed on XX/XX/XXXX with the account number XXXX, XXXX opened XXXX XX/XX/XXXX and closed on XX/XX/XXXX with the account number XXXX, XXXX XXXX opened on XX/XX/XXXX and closed on XX/XX/XXXX with the account number XXXX. The following hard inquiries, 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 These records are fraudulent and false, they are affecting my creditworthiness, please remove from my credit report.

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 2025-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is related to complaint XXXX. On XX/XX/XXXX, I noticed my card wasn't working and when I logged in to see whats happening, I noticed someone made hugepurchases for XXXX XXXX XXXX XXXX ( I XXXX  them and they seem to be a XXXX XXXX  XXXX  in XXXX XXXX, California ) .I immediately called Chase to alert them and report as fraud. When speaking with the agent, I scrolled through further and sawcharges dating back to XXXX periodically slipped in every weeks. I have no XXXX XXXX, have never done business with them nor authorized any charges. They charged {$6200.00} and {$2500.00} when I noticed. They tried charging {$9000.00} but thankfully it didnot go through. The previous charges they did were {$1200.00}, {$670.00}, {$840.00}, {$1100.00}, {$880.00}, {$240.00}, {$1100.00}, {$770.00}. Inoticed other charges as well I did. not recognize but it would have taken forever on the call to have the agent sit there and reportall of them. Later, XXXX  sent receipts XX/XX/year>, XXXX XXXX  Complaint Submitted - Internet Crime Complaint Center ( IC3 ) https : //complaint.ic3.gov XXXX to Chase ( there were only XXXX receipts out of the XXXX and they weren't even the high amounts. ) Nothing in full was provided to Chase but Chase went ahead and took their side. Few things to note here : XXXX. My name is no whereon the receipts. It mentions a name XXXX XXXX and the agent mentioned a name XXXX. Both names who I do not know and I amnot related to. XXXX. I noticed this isn't a medical center because the address on the receipts say XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Why would a XXXX XXXX center have an apartment address and no medical records? I looked up the real XXXX XXXX XXXX and noticed their address and phone number was the following : XXXX XXXX XXXX XXXX  XXXX, Ca XXXX XXXX. 
XXXX. The line items on the receipt are related to " Creative Direction '' and " Camera Deposit '' nothing related tomedical. Someone is posing as the real medical center and was cashing out of the credit line. I reported this to the real business to ensure their customers are protected and some one was posing as them. This company under question under XXXX are posing as a medical center and cashing out on the credit line. The address listed on the receipt I contacted the apartment XXXX XXXX and they said the apartment unit XXXX was vacated beginning of XXXX. 
Prior to this back on XXXX i had lost my phone and access to my email. When I finally was able to recover everything nothing seemed out of ordinary and these charges trickled in strategically. 
They made a last attempt at XXXX after the XXXX and XXXX charge in an attempt to liquidate my credit line but thankfully it did not go through. There are many other charges in XXXX to XXXX time frame I do not recognize. I quickly put a stop to it and brought it to Chase attention

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your 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 non-monetary relief
Consumer complaint received 2025-01-06 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) where there must be appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report or other reporting document such as CFPB OR FTC PR reporting complaint with agency ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

That you the XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, GA XXXX, the Transunion Credit Reporting Agency located at XXXX. XXXX XXXX, XXXX, IL XXXX, and XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX TX XXXX block information appearing on my consumer credit report that is the result of identity Theft and Fraud ; as well as the XXXX XXXX  Data Breach that took place in XXXX from an employee illegally accessing corporate records and customer financials information. I want this information removed within 4 business days within you receiving this complaint. 

This Fraudulent, inaccurate and false information consists of a personal credit card account opened at XXXX  XXXX ending in XXXX opened XX/XX/XXXX ; an online banking account ending in XXXX opened XX/XX/XXXX at XXXX XXXX and another personal credit card at XXXX XXXX XXXX  account ending in XXXX opened XX/XX/XXXX These accounts have resulted in several fraudulent hard inquires as well as difficult times accessing my own credit opportunities due to fraudulent collections appearing on my consumer FICO credit report I have attached the credit report and the fraudulent accounts opened and closed however when I went to screen shot the report I was greeted with a message from the company which I also included not sure whats going on with that. 

I do not recognize the aforementioned accounts, collections and/or hard inquires associated with said accounts and as reported. Therefore I would appreciate the hard inquiry as well as the aforementioned accounts to be removed. 
Therefore aforementioned accoutns, collections and hardinquires appearing on my consumer report were maintained by you were not opened, made, and/or initiated by me. 

All of the aforementioned accounts, collections and/or hard inquiries are the result of identity theft and company fraud.

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 2025-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I ve been banking with Wells Fargo for XXXX  years almost and on and off in the past. Its sad to find out after you ve started the process to buy a home, that because of an honest mistake I m held accountable for the bank allowing a check to be cashed. On XX/XX/2025 I came across a check I thought I lost, so I went ahead and did a mobile deposit on XX/XX/2025 the XXXX XXXX was available in full. Before the funds became available I believe Wells Fargo should have not allowed the deposit to go through with funds available the next day. On XX/XX/2025 I get a call from Wells Fargo that my account was being closed because of this, truly an honest mistake. I believe Wells Fargo should be held Accountable because the system allowed the check to process. Not close my account, I ve never had issues with any deposits or checks going into this account. How is that fair when again it was an honest mistake on my end.

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 2025-01-06 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 am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: MD

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ACCOUNTS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: MD

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to XXXX5 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX NA XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief