vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Noticed debt on credit report, was not aware of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: NJ

Complaint narrative:
I am filing this complaint because the credit reporting agencies ( XXXX, Equifax, and XXXX ) have failed to properly investigate and remove fraudulent accounts from my credit report, in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 1 ).

I previously submitted disputes regarding fraudulent accounts on my credit report, along with an FTC Identity Theft Report ( FTC Report # XXXX ) and supporting identification documents. Despite this, the credit bureaus have improperly verified the disputed accounts without providing details on how they conducted their investigation, which is a direct violation of 15 U.S.C. 1681i ( a ) ( 6 ) requiring them to provide a clear method of verification. 

Additionally, XXXX removed one disputed XXXX XXXX account but left the others on my report, which suggests inconsistent and unreliable verification procedures. The fact that one fraudulent account was removed, while the others remain, indicates that their method of verification is not credible.

I am requesting that the CFPB investigate the failure to properly verify and remove fraudulent accounts and ensure that the credit reporting agencies comply with 15 U.S.C. 1681c-2 ( a ), which requires them to block fraudulent information upon proper dispute.

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 2025-03-11 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: NJ

Complaint narrative:
I am filing this complaint because the credit reporting agencies ( XXXX, Equifax, and XXXX ) have failed to properly investigate and remove fraudulent accounts from my credit report, in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 1 ).

I previously submitted disputes regarding fraudulent accounts on my credit report, along with an FTC Identity Theft Report ( FTC Report # XXXX ) and supporting identification documents. Despite this, the credit bureaus have improperly verified the disputed accounts without providing details on how they conducted their investigation, which is a direct violation of 15 U.S.C. 1681i ( a ) ( 6 ) requiring them to provide a clear method of verification. 

Additionally, XXXX removed one disputed XXXX XXXX account but left the others on my report, which suggests inconsistent and unreliable verification procedures. The fact that one fraudulent account was removed, while the others remain, indicates that their method of verification is not credible.

I am requesting that the CFPB investigate the failure to properly verify and remove fraudulent accounts and ensure that the credit reporting agencies comply with 15 U.S.C. 1681c-2 ( a ), which requires them to block fraudulent information upon proper dispute.

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 2025-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a charge of XXXX from XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. The detail of the charge from the statement is below, XXXX XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I received a text message alerting me of a fraudulent charge from Wells fargo of {$340.00} from XXXX XXXX XXXX XXXX Riverside and then another charge of {$2600.00} from XXXX XXXX. Immediately I responded to them saying that I didn't authorize the charge. Then they blocked the card immediately. Also, I called them as soon as I received the message and reported the charge as unauthorized and opened a dispute. So they put these charges under fraud dispute. Later I got a call from well fargo investigating about the fraud. MOST IMPORTANTLY THEY RECOGNIZED THE CHARGES AS FRAUDULENT AND ISSUED A NEW CAR. Then, after a month or so they changed their opinion and sent me a letter that this dispute is denied as I had the card with me when the charge happened. However, we never ever bought anything from this XXXX XXXX XXXX XXXX XXXXXXXX ( or for that matter any other XXXX XXXX XXXX using this card ). The XXXX XXXX charge was never gone through. So this is a completely wrong disposition by Wells Fargo. As you can see I got the message from the Wells Fargo system that the charge was suspicious, meaning the system figure out that there is a fraud. Also I took the necessary steps immediately to report fraud. This charge shouldn't be billed to me and Wells Fargo is not only trying to shirk its responsibility but the Fair Credit Billing Act ( FCBA ) of the Federal government. On top of it the active cash card is a XXXX liability protection card which means well fargo is not ownering its own promise.

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX XXXXXXXX XXXX Reported a Derogatory 90 day late on Parent Plus Loan. 
My Phone Number changed - there was NO confirmation of email from me until today XXXX when i spoke with XXXX and then her supervisor XXXX and advised them of email and correct phone number. I never received a XXXX postal letter to advise me payment was missing. XXXX XXXX  waits XXXX days to report to the Credit repositories and reduced my credit fico score by XXXX Points. i ONLY found out of this issue from XXXX XXXX on last XXXX when i received an email at XXXXXXXX XXXX stating my Credit score had changed. 
i am a XXXX XXXX and have XXXX XXXX Payments with a XXXX XXXX ( i have excessive usage of credit this month and will reduce my debt to lift my score back into the XXXX range as it has been for the previous XXXX XXXX XXXX years. My Daughter is a XXXX XXXX XXXX XXXX XXXX and i was advised the loan was forgiven due to her service to the Community. 
i would have reached out to XXXX or XXXX XXXX XXXX had i Felt anything Different. 
i would NEVER risk my LIVELYHOOD as a XXXX XXXX. Please advise the removal of Derogatory & late fees and i will provide the full {$5800.00} via bank account upon your response. PLEASE understand this action will cause me to lose my Business. Your response and attention to correcting this unfortunate act are Sincerely Appreciated.. 
I have a copy of the MPN with NO Phone Number- this is unfair had XXXX XXXX reported as a 30 day late i would have received the notice from my other Creditors advising a change in my XXXX Score and would of had the Fair Ability to correct the Perception that i allowed a debt to remain XXXX days in Arrears WITHOUT ANY ACTION on my behalf.. I Have additional documentation supporting NO Yearly Addendum was Provided and No communication or Action was EVER Reciprocated on my behalf. although my home phone number and home Address were correct and provided in XXXX XXXX File .. i also advised the supervisor " XXXX XXXX at XXXX XXXX i would make FULL PAYMENT IMMEDIENTLY with removal of the Derogatory LATE payment reporting .. his response was he did everything " RIGHT '' and could NOT remove the LATE REPORTING because it WAS CORRECT when it was reported. EVEN When i told him the Phone number being called was Not in Service. the loan was consummated 2020 .. as a professional i would have been aware the loan was in arrears after 30 days with proper reporting XXXX a XXXX DAY report. 
ALL MY VERY BEST, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX Reported a Derogatory 90 day late on Parent Plus Loan. 
My Phone XXXX changed - there was NO confirmation of email from me until today XXXX when i spoke with XXXX and then her supervisor XXXX and advised them of email and correct phone number. I never received a XXXX postal letter to advise me payment was missing. XXXX XXXX waits XXXX days to report to the Credit repositories and reduced my credit fico score by XXXX Points. i ONLY found out of this issue from XXXX XXXX on last XXXX when i received an email at XXXX XXXX stating my Credit score had changed. 
i am a XXXX XXXX and have XXXX XXXX Payments with a XXXX XXXX ( i have excessive usage of credit this month and will reduce my debt to lift my score back into the XXXX range as it has been for the previous XXXX XXXX XXXX  years. My Daughter is a XXXX XXXX XXXX XXXX XXXX and i was advised the loan was forgiven due to her service to the Community. 
i would have reached out to XXXX or XXXX XXXX XXXX had i Felt anything Different. 
i would NEVER risk my LIVELYHOOD as a XXXX XXXX. Please advise the removal of Derogatory & late fees and i will provide the full {$5800.00} via bank account upon your response. PLEASE understand this action will cause me to lose my Business. Your response and attention to correcting this unfortunate act are Sincerely Appreciated.. 
I have a copy of the XXXX with NO Phone Number- this is unfair had XXXX XXXX reported as a 30 day late i would have received the notice from my other Creditors advising a change in my XXXX Score and would of had the Fair Ability to correct the Perception that i allowed a debt to remain XXXX days in Arrears WITHOUT ANY ACTION on my behalf.. I Have additional documentation supporting NO Yearly Addendum was Provided and No communication or Action was EVER Reciprocated on my behalf. although my home phone number and home Address were correct and provided in XXXX XXXX File .. i also advised the supervisor " XXXX XXXX at XXXX XXXX i would make FULL PAYMENT IMMEDIENTLY with removal of the Derogatory LATE payment reporting .. his response was he did everything " RIGHT '' and could NOT remove the LATE REPORTING because it WAS CORRECT when it was reported. EVEN When i told him the Phone number being called was Not in Service. the loan was consummated XXXX .. as a professional i would have been aware the loan was in arrears after XXXX days with proper reporting XXXX a XXXX DAY report. 
ALL MY VERY BEST, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX XXXXXXXX XXXX Reported a Derogatory 90 day late on Parent Plus Loan. 
My Phone Number changed - there was NO confirmation of email from me until today XXXX when i spoke with XXXX and then her supervisor XXXX and advised them of email and correct phone number. I never received a XXXX postal letter to advise me payment was missing. XXXX XXXX  waits XXXX days to report to the Credit repositories and reduced my credit fico score by XXXX Points. i ONLY found out of this issue from XXXX XXXX on last XXXX when i received an email at XXXX pm stating my Credit score had changed. 
i am a XXXX XXXX and have XXXX XXXX Payments with a XXXX Fico ( i have excessive usage of credit this month and will reduce my debt to lift my score back into the XXXX range as it has been for the previous XXXX XXXX XXXX years. My Daughter is a XXXX XXXX XXXX XXXX XXXX and i was advised the loan was forgiven due to her service to the Community. 
i would have reached out to XXXX XXXX XXXX XXXX XXXXn had i Felt anything Different. 
i would NEVER risk my LIVELYHOOD as a XXXX XXXX. Please advise the removal of Derogatory & late fees and i will provide the full {$5800.00} via bank account upon your response. PLEASE understand this action will cause me to lose my Business. Your response and attention to correcting this unfortunate act are Sincerely Appreciated.. 
I have a copy of the XXXX with NO Phone Number- this is unfair had XXXX XXXX reported as a 30 day late i would have received the notice from my other Creditors advising a change in my XXXX Score and would of had the Fair Ability to correct the Perception that i allowed a debt to remain XXXX days in Arrears WITHOUT ANY ACTION on my behalf.. I Have additional documentation supporting NO Yearly Addendum was Provided and No communication or Action was EVER Reciprocated on my behalf. although my home phone number and home Address were correct and provided in XXXX XXXX File .. i also advised the supervisor " XXXX XXXX at XXXX XXXX i would make FULL PAYMENT IMMEDIENTLY with removal of the Derogatory LATE payment reporting .. his response was he did everything " RIGHT '' and could NOT remove the LATE REPORTING because it WAS CORRECT when it was reported. EVEN When i told him the Phone number being called was Not in Service. the loan was consummated XXXX .. as a professional i would have been aware the loan was in arrears after XXXX days with proper reporting XXXX a XXXX DAY report. 
ALL MY VERY BEST, 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 non-monetary relief
Consumer complaint received 2025-03-11 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: NJ

Complaint narrative:
I am writing to report identity theft. 

While reviewing my credit report, I discovered A fraudulent accounts that I did not authorize : XXXX XXXX XXXX Account # XXXX This account is not mine, and I have no connection to them. These inaccurate accounts are negatively impacting my credit score, limiting my ability to obtain credit, and causing significant inconvenience. I request the immediate removal of these fraudulent accounts from my credit report.

Thank you for your prompt attention to this matter.

15 U.S. Code 1681c2 states Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 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.

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 2025-03-11 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: GA

Complaint narrative:
I am filing a complaint against equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
Inquires include : 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 explanation
Consumer complaint received 2025-03-11 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: AR

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I have had a savings account and CD accounts with Goldman Sachs Bank USA XXXX Marcus ) for many years. On XX/XX/XXXX, I wired a large-sum deposit from my XXXX brokerage account to my savings account at Marcus. The amount was very similar to amount that had been in the account as recently as XXXX and should not have been the cause for any alarm. When I went to confirm the deposit online ( with user name and password ), I discovered that the account had been inexplicably locked. I called Marcus, and customer service was unwilling to help me promptly unlock the account or tell me the source of the problem. They had previously accepted the last XXXX digits of my social security, birthday, and secret password as identification, but suddenly that information was insufficent to share information with me. They have my correct phone number, but would not send me a verification code by text. XXXX has given me a wire confirmation number so that I know that the wire was delivered to Marcus, but Marcus won't confirm the deposit or share any information with me. I don't owe Marcus ( or any other party ) any money. I have no reason to believe that the account was fradulenty accessed because recently it was nearly empty. As far as I can tell ( based on credit and account reporting information from XXXX and XXXX ), my identity has not been stolen. There has been no unusual account activity. Marcus has no reason to lock my account, but will not help me to promptly unclock it. Marcus has my money, but I can not access it. I have learned online that MANY people have had similar negative experiences with locked accounts at Marcus, so I am seeking help on behalf of all customers who currently have this problem or may encounter it in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: GA

Complaint narrative:
I am writing to formally dispute certain items on my credit report related to civil liability for negligence, specifically concerning collections accounts and hard inquiries. The referenced entries appear to be in error, and I am invoking my rights under Code 1681 0, which pertains to civil liability in cases of negligence.

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 2025-03-11 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: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I have submitted a report via email to address the incorrect information provided by the credit bureau. I am formally disputing an error on my credit card statement and have requested a thorough investigation. However, the company has failed to address the matter properly. I would appreciate your immediate attention to this issue. Additionally, please provide a confirmation receipt for my records.

Company response to consumer: Closed with explanation