vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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: NY

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-04-23 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 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. 

Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX EMPLOYEES XX/XX/XXXXXXXX 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 2025-04-23 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX  Balance {$29.00} Open Date XX/XX/XXXX XXXX XXXX LL Balance {$1300.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX  Balance {$710.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In early 2024, I updated my address, initially entering an incorrect unit number, which I CORRECTED IMMEDIATELY. On XXXX/24 at XXXX XXXX PST, I received a second notice from Wells Fargo about missing or inaccurate information, requesting address verification. On XXXX/24 at XXXX XXXX PST, I was notified that my account had been closed at XXXX XXXX  PST due to Wells Fargo 's action, not insufficient funds. I contacted customer service, and by XXXXXXXX XXXX PST, I received CONFIRMATION THAT MY ADDRESS HAD BEEN UPDATED for both my savings and credit card. 

Despite this, Wells Fargo closed my savings account, while my credit card account update processed without issue. They also sent checks to my updated address without concern. Since XXXX/24, I have tried to resolve this, but Wells Fargo has not acknowledged the mistake. Theyve even suggested I open a new account, which CONTRADICTS THE CLOSURES LEGITIMACY. 

Had Wells Fargo informed me that the address change violated regulations or raised security concerns on XXXX/24, I would have reverted to my original address immediately. Instead, WELLS FARGO CONFIRMED AND UPDATED MY ADDRESSES WITHOUT COMMUNICATION THAT THERE WAS A POTENTIAL VIOLATION OF REGULATIONS and had no issue with my credit card having the updated address. Wells Fargo is aware the address is valid, as they sent a replacement credit card to it without issue. 
Given that the address change was correctly processed and no fraud occurred, I request Wells Fargo reopen my savings account and provide clarity on the closure. As a loyal customer for over 30 years, this situation undermines the trust and transparency I expect. I seek a prompt and fair resolution. 

Thank you for your attention to this 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 2025-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX NY,   XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against XXXX XXXX XXXX - Violation of Federal Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against [ XXXX XXXX XXXX ], located at [ XXXX XXXX XXXX XXXX, SC, XXXX ], for conduct that I believe violates federal consumer protection laws, including but not limited to : Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692 et seq.

Truth in Lending Act ( TILA ) 15 U.S. Code 1601 et seq. 
Dodd-Frank Wall Street Reform and Consumer Protection Act, specifically regarding unfair, deceptive, or abusive acts or practices ( UDAAP ) under 12 U.S.C. 5531. 

I attempted to resolve the issue with [ XXXX XXXX XXXX ], but the issue remains unresolved. Their actions have resulted in financial loss, harm to my credit, emotional distress, etc. and I believe they are in violation of federal consumer protection laws. 

I am requesting that the CFPB investigate this matter and take appropriate action to hold this company accountable for its misconduct. 

Thank you for your time and attention to this matter. Please contact me at your earliest convenience if additional information is required. 

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 non-monetary relief
Consumer complaint received 2025-04-23 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: IL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX with a balance of {$22000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase Bank has taken repeated actions that have severely damaged my credit profile and financial standing. They have systematically reduced the credit limits on XXXX of my credit cards to just above or below my current balances, which triggered substantial drops in my credit score and false reporting to credit bureaus. 

* * XXXX : * * Identical actions spanned across XXXX separate credit cards- * * On or around XX/XX/year> * *, my balance was * * {$9500.00} * * on XXXX of my Chase cards. After making a payment, Chase * * reduced my credit limit from {$10000.00} to {$9500.00} * *, putting me * * artificially over the limit * *. 

- This over-the-limit status was then * * falsely reported to the credit bureaus * *, which caused a significant drop in my credit score. 

- At no point was I actually over the limit, and this reporting was both misleading and harmful. 

- * * On XX/XX/year> * *, Chase reduced the credit limits on * * XXXX of my credit cards without any prior notice * *. 

- I was in the process of applying for a loan to consolidate my credit card balances. 
- These reductions caused my credit utilization to spike suddenly, resulting in an * * immediate drop of XXXX points * * to my score. 
- Chase claims they contacted me, but I verified with XXXX that I received no such call. This was * * never communicated * * to me in any form. 

* * I called chase XXXX on XX/XX/XXXX and tried to get my credit raised back up and the financial lady was rude and giggling at me on the phone when I explained this didnt make sense at all. Pull the call CHASE!!! Its recorded. 

- I reported this to Chase support, and a case was opened : * * Ticket # XXXX * *. 

-- - * * Impact : * * - My * * credit score has dropped by over XXXX points * * due to Chases actions and reporting. 
- I am now * * unable to obtain a loan * * I had previously qualified for. 
- I have been a * * loyal customer for over 20 years * *, have paid back * * over {$100000.00} * * in credit, and currently have over * * {$500000.00} in home equity * *. 
- These actions appear * * deliberate and damaging * * to my financial reputation and goals. 

-- - * * Request for Resolution : * * - I am requesting that Chase * * correct the false reporting * * to the credit bureaus. 
- I want a * * review and reinstatement * * of my previous credit limits. 
- I request a written explanation of these actions and the communication records Chase claims to have made. 
- I will be pursuing * * legal action * * if this issue is not addressed promptly. 
-I recently work in sub-prime lending for 7 years and the United States has laws to protect us from corporate conglomerates. I had to take a training course on Fair Credit Reporting and Consumer Rights 4 times a year and passed with flying colors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NM

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 2025-04-23 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:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-04-23 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax 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 Experian and Equifax inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There is a collection on my account from XXXX XXXX that does not belong to me. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. The items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I have contacted the Federal Trade Commission and filed a police report. I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A is liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. AFFIDAVITS OF LAW 1. Are you the original creditor? 2. Have you given the debtor the opportunity to review the original contract? 3. Have you validated the home address for the debtor? 4. Have you complied with all FRCA, FDCP and FDCPA laws? 5. Have you reported to the consumer who has reviewed the original contract information with his/her original signature? 6. Have you provided the names of all creditors that have provided the names and addresses of the person who has reviewed consumer relations? If the above has not been completed, please Delete this account from my credit report and stop all contact with me. Under the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me regarding the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your company management. I also have the right to file suit against you for any future violations of this law

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report reflects XXXX accountsXXXX ( Account XXXX. XXXX * * * * ) and XXXX ( Account XXXX. XXXX * * * * ) that have been erroneously removed or reported inaccurately. In reality, both accounts have been consistently maintained in good standing, with all payments made on time. No fraudulent activity was ever alleged or investigated. The removal or misreporting appears to be the result of an administrative error by the creditor or credit bureau.

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 2025-04-23 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-04-23 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 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. 

Account Name : XXXX XXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX - 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 explanation
Consumer complaint received 2025-04-23 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: TX

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : 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