vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 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: NJ

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information. Below, I have outlined the specific discrepancies I have identified and request immediate correction. 
Account in Question : Creditor Name : XXXX XXXX  Account Number : XXXX Specific Inaccuracy : I noticed that the balance amounts reported by TransUnion and Experian are inconsistent. TransUnion reports a balance of {$12000.00}, while Experian reports a balance of {$10000.00}. This discrepancy raises concerns regarding the accuracy of the data being reported.

Additionally, the " Date of Last Payment '' is inconsistent between the XXXX reports : XXXX reports XX/XX/XXXX. 
Experian reports XX/XX/XXXX. 

These inconsistencies are factual errors and must be corrected to reflect accurate financial information. 

I kindly request that you investigate these discrepancies and correct the inaccurate information. Please provide written confirmation once these errors have been rectified. 

As per the FCRA, I expect a response within 30 days of receipt of this letter. If the disputed information can not be verified, it must be removed from my credit report. 

Thank you for your time and prompt attention to this matter. Please confirm receipt of this letter and inform me of the actions taken to correct these inaccuracies. 

Sincerely, 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 2025-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
( I AM REQUESTING THAT THE CFPB FORWARD THIS COMPLAINT TO THE FTC AND OR OTHER AGANCIES THAT CAN INVESTIGATE WELLS FARGO BAD FAITH ACTIONS AGAINST ME, AS TRYING TO WORK IT OUT WITH WELLS FARGO HAS HIT A STAND POINT. ) I have made several complaints about Wells Fargo as they have done multiple things of bad faith to me.

I believe Wells Fargo had overcharged me and forced a modification on my mortgage that increased the principal balance by almost {$19000.00}.

I belive Wells Fargo charged me way to much in overdraft feees on my Business Checking and Savings accounts and talked me into opening accounts that were free of charge that I did not need only to charge me a monthly fee a few months later for those accounts.

I believe Wells Farfo charged me way to much in ATM Fees and made it hard to pay my college credit card account as interest spiled on it.

I believe Wells Fargo opened accounts without my knowledge. I believe Wells Fargo sent me to mediation for the modification like I requested but they controlled the mediation in a way that they didn't want to hear anything but what they already knew they were going to say. Told me that I would have to talk to a different part of Wells Fargo that mediation with them was just about attorney fees for the modificationm.

After complaining to the CFPB about Wells Fargo, Wells Fargo transfered my loan to Saline Finacing LP which was very unethical to do as I believe they only closed down customers accounts and transfered loans mostly for those customers who made complaints or for those who got a settlement.

( EVERYTIME I MAKE A COMPLAINT TO CFPB ABOUT WELLS FARGO, WELLS FARGO KEEPS RETURNING A GENETIV RESPONSE MADE BY THE SAME GUY IN THE EXECUTIVE BRANCH OF WELLS FARGO. HIS NAME IS XXXX AND HE DOES NOT CARE TO SEE ANYTHING ANY WAY BUT HIS OWN WAY. ) WELLS FARGO HAS DONE A LOT OF BAD FAITH ACTIONS TOWARDS ME IN THE LAST 9 YEARS AND DONE HARDLY ANYTHINH TO RESOLVE THEM EXCEPT SELL MY MORTGAGE LOAN TO ANOTHER COMPANY AND LOW BALL AS MUCH AS THEY CAN ON SETTLEMENTS THEY WERE FORCE TO PAY. ) I DO NOT WANT TO SPEAK WITH WELLS FARGO ANYMORE I WOULD LIKE THIS COMPLAINT FORWARD TO THE FTC AND TO WORK WITH THE FTC OR OTHER AGANCIES THAT WILL INVESTIGATE WELLS FARGO FOR THE ACTIONS OF BAD FAITH THEY HAD DONE TO ME OVET THE LAST 9 YEARS.

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 2025-02-03 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: MI

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 non-monetary relief
Consumer complaint received 2025-02-03 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: MN

Complaint narrative:
Hi I'm reporting identity theft and would like accounts closed in my name nothing on my credit report related to any of my transactions. I contacted other bureaus and asked that they remove account closed and or deleted. I reported this information in XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: MN

Complaint narrative:
Hi I'm reporting identity theft and would like accounts closed in my name nothing on my credit report related to any of my transactions. I contacted other bureaus and asked that they remove account closed and or deleted. I reported this information in XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 explanation
Consumer complaint received 2025-02-03 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: GA

Complaint narrative:
I am filing this complaint because [ /Equifax/TransUnion ] is reporting an account from XXXX XXXX XXXX XXXX has not been properly verified under the Fair Credit Reporting Act ( FCRA ). 

I disputed this account on ( XX/XX/year> ) Dispute ] and provided proof that XXXX XXXX XXXX failed to validate the debt under the Fair Debt Collection Practices Act ( FDCPA ). Despite this, the account remains on my credit report. 

I am requesting that the CFPB investigates this matter and ensures compliance with federal law. Under the FCRA, unverified accounts must be removed. This inaccurate reporting is negatively affecting my credit score, and I am seeking its immediate deletion.

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 2025-02-03 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: SC

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 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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
These accounts are fraudulent and should be removed from my credit report, as I did not open them and was unaware of their presence. Pursuant to USC 1681g, I request their deletion within 15 days. The required supporting documents are enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Someone added me as an authorize user I did not authorize it. I have no knowledge of this account. I was also added to the address for the authorized user. Ive contact XXXX, XXXX and XXXX. I dont know anything of the address not a credit card company I was told it was Citibank credit card. XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or incomplete items unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing. to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence. I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXXXXXX XXXX inaction violates federal law and my rights. Please remove it from my 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
Consumer complaint received 2025-02-03 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: TN

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : My records indicate that this account is incorrectly showing six late payments, while my Equifax report reflects only one late payment. I do not agree with the results of your investigation. Therefore, I kindly request that you provide me with documentation proving your investigation process and evidence supporting the reported negative payment history on this account. If you are unable to verify this information, I ask that you remove the inaccurate late payments from my record immediately. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status Inaccurate Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I am deeply concerned about the negative payment status on my account. I do not agree with this reporting and request statements showing the exact past due amount and the date this account became negative. I also disagree with the results of your investigation. Please send proof of your investigation and verification of this negative status or remove the inaccurate information from my credit report immediately. 

Inquiry : EQUIFAX CBNA XX/XX/year> These items are either inaccurately reported or have already been resolved, and I request a thorough investigation and correction. Despite contacting both the credit reporting agency and the data furnisher, the issue remains unresolved. 
I have attached supporting documentation, including screenshots of my credit report, to highlight the inaccuracies and support my claim. Please investigate this matter promptly and update my credit report to reflect accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: WA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 2025-02-03 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:
The accounts listed below have violated my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically concerning late payments and unauthorized inquiries. Under **15 U.S.C. 1681, Section 602 ( a ) **, I have a right to privacy regarding my financial information. **15 U.S.C. 1681, Section 604 ( a ) ( 2 ) ** states that a consumer reporting agency can not furnish account information without my written authorization, meaning any unauthorized inquiries on my report are a direct violation. Additionally, **15 U.S.C. 1681c ( a ) ( 5 ) ** prohibits reporting adverse information, such as late payments, beyond the legally allowed time frame. Furthermore, **15 U.S.C. 1681s-2 ( a ) ( 1 ) ** explicitly states that furnishers of information must not report data they know or have reasonable cause to believe is inaccurate. Given these protections, I formally request an immediate investigation into the unauthorized inquiries and late payments reported on my credit file. If these entries can not be verified with proper documentation proving their legitimacy, they must be removed to ensure compliance with federal law. Please provide written confirmation of your findings and any corrective action taken within the legally required timeframe.

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 2025-02-03 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 filing this complaint to address Experian 's failure to properly investigate and resolve fraudulent items on my consumer report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Despite submitting all necessary documentation, including an FTC Identity Theft Affidavit # [ XXXX and # XXXX ], and filing prior CFPB complaints ( # XXXX ) on XXXX XXXX, Experian reinstated fraudulent accounts without providing a valid reason.

Experian has also failed to process my disput
es under FCRA 605B and has not disclosed their method of investigation as required by FCRA 611 ( 15 U.S.C. 16811 ). Supervisors have stated that their " policy '' prevents the removal of these fraudulent items, which directly contradicts the law. These accounts, including collections, late payments, and charge-offs, are the result of identity theft and fraud, as evidenced by my submitted FTC Criminal Complaint.

I demand the immediate removal of these items within four days of receipt of this complaint to ensure 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 2025-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
BoA is attempting to charge us for insurance when we have already paid insurance directly to 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 2025-02-03 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:
Identity Theft Victim 75-60. Title. This Article shall be known and may be cited as the " Identity Theft Protection Act ''. ( 2005-414, s. 1. ) District Court for Northern District of Georgia XXXX Division Equifax Inc. Customer Data Security Breach Litigation ; Case XXXX As a victim of identity theft, I am asserting my rights under federal and state laws, including the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act, which protect consumers from the unauthorized use of personal information. The harm caused by these actions is worsened by Equifaxs inaction in addressing my ongoing disputes.

This situation is further compounded by data security breaches, involving the Equifax Data Breach, exposing my information to misuse. I demand the immediate removal of these fraudulent accounts from my credit report, especially given the impact of recent data breaches. Under the FCRA ( 15 U.S.C. 1681c-2 ( a ), Equifax is legally required to block and delete the information resulting from identity theft upon receipt of a suitable report, which I have provided on multiple occasions. The unauthorized accounts linked to my Name, Social Security number, and Personal information are : XXXX : Balance : {$870.00} : Open Date : XXXX XXXX, XXXX XXXX XXXX : {$670.00} : Open Date : XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} : Open Date : XXXX XXXX, XXXX XXXX : Balance : {$840.00} : Open Date : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX : Balance : {$2900.00} : Open Date? 
There has been absolutely no legal proof provided to substantiate the marks on my credit report. I have not signed any wet signature application or contract that would legally authorize the reporting of this information. Furthermore, I have not granted your agency any authority to access or report information about me under the Fair Credit Reporting Act ( FCRA ), which explicitly requires a permissible purpose for such actions. Additionally, I want to highlight that this situation has been worsened by data breaches that grossly mishandled and exposed my sensitive personal information, which your agency continues to misuse. Failure to comply with this demand will leave me no choice but to initiate legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: TN

Complaint narrative:
There are unauthorized hard inquires from XXXX XXXX I did not apply for these credit cards and I called Experian on XX/XX/XXXX to file a dispute, but they ignore my complaint and the hard inquires remain.

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 2025-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
called customer service over the phone for capital one, They said they could not open it even though it is less than the standard 6 month timeframe for them to close it, first late payment was on XX/XX/XXXX, today it is XX/XX/XXXX it is less than 90 days and they will not let me make payment to REOPEN account reason for missed payment is I was sick and unemployed until now I have enough money to pay or make a payment arrangement however if capital one does not reopene my credit card account I will never pay any money to capital for this unless the credit card is reopened, i do not care what happens to my credit report I am not paying any money until capital one reopens my credit card account

Company response to consumer: Closed with explanation