vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Several companies have accessed my credit report without my authorization, which has negatively impacted both my credit and credit score. I previously contacted the credit reporting agency, and a representative assured me that these unauthorized inquiries would be removed. However, they continue to appear on my report. These potentially fraudulent and unauthorized inquiries are deeply concerning and have caused significant anxiety, as they may indicate possible identity theft. This ongoing issue is placing unnecessary stress on me and further damaging my financial standing.

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 2025-05-26 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: CA

Complaint narrative:
I am writing to formally request a dispute for a transaction on my account under the reason service not received. Below are the transaction details : Merchant : XXXX  Amount : {$2900.00} Transaction Date : XX/XX/XXXX2025 Posted Date : XX/XX/XXXX/2025 Transaction Description : MONEY TRANSFER AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX CARD XXXX This transaction was for a remittance transfer. On XX/XX/XXXX2025, I contacted the merchant ( Paysend.com ) through their website and requested that the transaction be canceled, as I no longer wished to proceed with the service. Despite my request and communication with the merchant, the transaction was not canceled as instructed, and the service was not provided to me. 
I am requesting Wells Fargo to initiate a dispute for this transaction under service not received. I am disputing the full amount. 
Please let me know if you require any additional information or documentation from my end. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX. 
Account number : 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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I have complained to Equifax about a fraudulent group of accounts on my credit file with them. They never investigated the accounts and just updated them to say they were mine, I sent them the F.T.C. report with file number. Also CFPB has sent the complaint to them. It has been over the 30 days that the Fair Credit reporting act says they have to investigate information on a consumer file. Equifax has did nothing!. I also ask for validation of the debt and they never sent it! They keep re aging the account and changing payment amounts in different parts of the accounts and dates on the accounts. 
as with my complaint CFPB # XXXX submitted XXXX. Equifax is violating my fair credit reporting rights and I ask them to remove the accounts. 
XXXX XXXX XXXX XXXX XXXX  account numbers XXXX amount owed keeps changing, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX different amount change daily. Plus the Loan company has been sharing my personal information with friends and family and other companies, so has Equifax, violating my Federal Fair Debt Collection Practices act about the debt, and repeatedly contacted me after I ask them to stop harassing me about the debt that is not mine. Equifax also reports an account called XXXX XXXX account number XXXX, that was a fraudulent account. Equifax will not remove or block the fraudulent accounts and refused to do any investigations on this. Equifax also let a company have my report with out my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: DE

Complaint narrative:
b'All 3 credit bureaus are reporting foreclosure and late payments on my credit. My mortgage company reported to the credit bureaus that my home was foreclosed on. I am Currently living in my home, I have never gone to any court and the judge approved a foreclosure. There are no foreclosure dates yet the mortgage company is reporting to the credit bureaus that I am in foreclosure.\n\nThe reporting of foreclosure on my credit and late payments have left me critically crippled credit wise. I cannot apply for a refinance or even try to get a new mortgage because of the negative reporting. The mortgage company has no signed agreement from me agreeing to pay XXXX  I was in a modification where my mortgage payment was XXXX. Then the payment went up to XXXX  I was able to pay the XXXX but then the mortgage company stated the modification had expired and my new mortgage payment is XXXX Then I got another statement stating the new payment would be XXXXXXXX\n\nThey tried negotiating with me by bringing it down to XXXX I have been applying for hardships with the mortgage company ever since. The mortgage company negotiated a monthly payment of XXXX \n\n$XXXX for the payment and XXXX for the escrow. I asked them can I pay my own taxes and insurance, they approved it saying yes I can pay my own taxes and insurance. I then subtracted the XXXX  and sent in a payment of XXXX the payment was still high but I had to try and save my home. The mortgage company refused the XXXX payment and returned it back to me stating that I did not send in the correct amount.\n\nFrom that point forward the mortgage company continue to raise the monthly payments, refused the payment I sent in and now reporting to the credit bureaus late payments and foreclosure.\n\nI am asking that the credit bureaus stop reporting late payments and foreclosure on my credit report. If they are going to report foreclosure, they would have to send in proof of foreclosure. I am asking for this to be done immediately. \n\nThank you for your assistance in this critical matter.'

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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
b'All 3 credit bureaus are reporting foreclosure and late payments on my credit. My mortgage company reported to the credit bureaus that my home was foreclosed on. I am Currently living in my home, I have never gone to any court and the judge approved a foreclosure. There are no foreclosure dates yet the mortgage company is reporting to the credit bureaus that I am in foreclosure.\n\nThe reporting of foreclosure on my credit and late payments have left me critically crippled credit wise. I cannot apply for a refinance or even try to get a new mortgage because of the negative reporting. The mortgage company has no signed agreement from me agreeing to pay $XXXX. I was in a modification where my mortgage payment was XXXX. Then the payment went up to XXXX I was able to pay the XXXX but then the mortgage company stated the modification had expired and my new mortgage payment is XXXX. Then I got another statement stating the new payment would be XXXXn\nThey tried negotiating with me by bringing it down to XXXX I have been applying for hardships with the mortgage company ever since. The mortgage company negotiated a monthly payment of XXXX \n\nXXXX for the payment and XXXX for the escrow. I asked them can I pay my own taxes and insurance, they approved it saying yes I can pay my own taxes and insurance. I then subtracted the XXXX  and sent in a payment of XXXX the payment was still high but I had to try and save my home. The mortgage company refused the XXXX payment and returned it back to me stating that I did not send in the correct amount.\n\nFrom that point forward the mortgage company continue to raise the monthly payments, refused the payment I sent in and now reporting to the credit bureaus late payments and foreclosure.\n\nI am asking that the credit bureaus stop reporting late payments and foreclosure on my credit report. If they are going to report foreclosure, they would have to send in proof of foreclosure. I am asking for this to be done immediately. \n\nThank you for your assistance in this critical matter.'

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 2025-05-25 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: DE

Complaint narrative:
b'All XXXX  credit bureaus are reporting foreclosure and late payments on my credit. My mortgage company reported to the credit bureaus that my home was foreclosed on. I am Currently living in my home, I have never gone to any court and the judge approved a foreclosure. There are no foreclosure dates yet the mortgage company is reporting to the credit bureaus that I am in foreclosure.\n\nThe reporting of foreclosure on my credit and late payments have left me critically crippled credit wise. I cannot apply for a refinance or even try to get a new mortgage because of the negative reporting. The mortgage company has no signed agreement from me agreeing to pay $XXXX. I was in a modification where my mortgage payment was $XXXX. Then the payment went up to $XXXX. I was able to pay the $XXXX  but then the mortgage company stated the modification had expired and my new mortgage payment is $XXXX. Then I got another statement stating the new payment would be $XXXX0\n\nThey tried negotiating with me by bringing it down to $XXXX. I have been applying for hardships with the mortgage company ever since. The mortgage company negotiated a monthly payment of $XXXX XXXXXXXX  for the payment and $XXXX  for the escrow. I asked them can I pay my own taxes and insurance, they approved it saying yes I can pay my own taxes and insurance. I then subtracted the $XXXX  and sent in a payment of $XXXX, the payment was still high but I had to try and save my home. The mortgage company refused the $XXXX  payment and returned it back to me stating that I did not send in the correct amount.\n\nFrom that point forward the mortgage company continue to raise the monthly payments, refused the payment I sent in and now reporting to the credit bureaus late payments and foreclosure.\n\nI am asking that the credit bureaus stop reporting late payments and foreclosure on my credit report. If they are going to report foreclosure, they would have to send in proof of foreclosure. I am asking for this to be done immediately. \n\nThank you for your assistance in this critical matter.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to emphasize that this complaint is not submitted in error. My credit report contains inaccuracies that do not meet the standard of maximum possible accuracy. These errors are seriously affecting my life and financial stability, especially during an already challenging time. I respectfully urge you to correct or remove these inaccuracies as soon as possibleit would truly be a significant relief.

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 2025-05-25 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 want to emphasize that this complaint is not submitted in error. My credit report contains inaccuracies that do not meet the standard of maximum possible accuracy. These errors are seriously affecting my life and financial stability, especially during an already challenging time. I respectfully urge you to correct or remove these inaccuracies as soon as possibleit would truly be a significant relief.

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 2025-05-25 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:
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 non-monetary relief
Consumer complaint received 2025-05-25 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

I am filing this FTC Identity Theft Affidavit to report five fraudulent accounts appearing on my consumer FICO TransUnion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX XXXX  on XX/XX/XXXX under the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, an auto loan at XXXX XXXX on XX/XX/XXXX under the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX an auto loan at XXXX on XX/XX/XXXX under the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a secured loan at XXXX on XX/XX/XXXX under the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and an unsecured loan at XXXX on XX/XX/XXXX under the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws

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 2025-05-25 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I am being represented by XXXX XXXX XXXX, Telephone number is XXXX. They are handling my debt that I have with Macy 's XXXX and XXXX XXXX credit card. It is in their hands now and these companies are aware that I am being represented by this law group, yet they continually put that my account is delinquent and my credit score is dropping to the point where I can't take out any loans that I may need for emergency situations. I pay the law group monthly and I would like the delinquency to come off my reports immediately. It is affecting my score and my future business endeavors.

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 2025-05-25 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDALENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXXXXXX * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX * * * * * * * * * * - Date Opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: OH

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
Consumer complaint received 2025-05-25 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: OH

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 2025-05-25 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: NC

Complaint narrative:
FINAL NOTICE IDENTITY THEFT DISPUTE PURSUANT TO FCRA SECTIONS 605B & 611 To Whom It May Concern : This communication serves as a Final Notice regarding Equifaxs continued willful and negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( Section 605B ) and 15 U.S.C. 1681i ( Section 611 ), concerning the ongoing inclusion of fraudulent information on my consumer report. 

On XX/XX/XXXX ( Complaint # XXXX ) and again on XX/XX/XXXX ( Complaint # XXXX ), I submitted a valid identity theft dispute in accordance with Section 605B related to a fraudulent XXXX  XXXX account ( Account Number : XXXX * * * * ), opened on XX/XX/XXXX * *, which I did not authorize or open. With each dispute, I provided all documentation required under federal law, including : A completed and signed identity theft report filed with a law enforcement agency, A copy of a government-issued photo ID, Proof of my current mailing address, and Supporting documentation linking the fraudulent account to a documented data breach involving my personal information. 

Pursuant to 15 U.S.C. 1681c-2 ( a ) ( 1 ), Equifax was obligated to block the fraudulent information within four business days of receiving my request. To date, Equifax has failed to comply with this statutory requirement. Instead, the item remains on my credit file and has been reported as verified, without any disclosure of : The methodology used to verify the disputed information, The furnisher of the information, or Any evidence that a reasonable reinvestigation, as mandated under Section 611 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 6 ) ( B ) ( iii ), was conducted. 

Equifaxs failure to take corrective action is in direct conflict with regulatory expectations issued by the Consumer Financial Protection Bureau ( CFPB ), including CFPB Bulletin XXXX, which underscores the obligation of consumer reporting agencies to conduct thorough, good-faith investigations and ensure maximum possible accuracy in consumer files. Moreover, this ongoing inaction disregards established legal precedent affirming a consumers right to an accurate credit report ( see : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  ). 

As of the date of this letter, the fraudulent XXXX XXXX account continues to appear on my credit report, now listed with a {$0.00} balance but still adversely impacting my creditworthiness. Equifaxs refusal to block the disputed tradeline or to conduct a reasonable reinvestigation constitutes an ongoing and willful violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief