vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo North Texas District Manager, I am writing to formally request an immediate investigation into suspicious activity related to the account ( s ) held by my mother, ( Mothers Name ), during the final days of her life.

It has come to my attention that significant changes were made to the designated beneficiaries of her bank account ( s ) while she was in a coma and receiving hospice care, entirely incapacitated and unable to make financial decisions or provide informed consent.

I have strong reason to suspect that her husband may have used her online banking access to alter beneficiary information during this time, without legal authority or her conscious awareness. These actions potentially constitute fraud, elder financial abuse, and unauthorized access, and may have deprived rightful heirs of their legal entitlements.

( Mothers Name ) was not in a condition to authorize any changes, and I am requesting the following : Full records of all changes made to beneficiary designations on her account ( s ) from XX/XX/year>, to XX/XX/year>, including : The dates and times of the changes The IP addresses, devices, or user accounts used to make the changes Any documentation or authorization forms related to these changes A copy of any Power of Attorney or similar documents Wells Fargo may have had on file authorizing someone to act on her behalf.

Immediate freeze or review of disbursed funds, if applicable, to ensure no further harm is done while the matter is under investigation.

This situation is of the utmost urgency and sensitivity. If the bank does not take swift action to investigate and protect the integrity of ( Mothers Name ) accounts, I will be compelled to escalate this matter to the Texas Attorney General 's Office, Adult Protective Services, and potentially pursue legal action.

Please confirm receipt of this email and advise me of the next steps in your internal process. I am available to speak further at your convenience and provide any documentation necessary to support this inquiry.

Thank you for your prompt attention to this serious 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 2025-07-11 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: PA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-07-11 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: Synovus Bank
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: WA

Complaint narrative:
THERE IS A FRAUDULENT ACCOUNT REPORTING ON MY CREDIT REPORT FROM XXXX. PER FCRA 605B VICTIMS OF IDENTITY THEFT ALLOWS CREDIT BUREAU TO BLOCK FRAUDLENT INFORMATION. THIS IS A FRAUD ACCOUNT IN WHICH IT HAS BEEN REPORTED TO TWO LOCAL POLICE DEPARTMENTS AND REPORT NUMBERS WERE PROVIDED AS WELL AS A ID THEFT AFFADAVIT WAS ALSO FILED WITH THE CFPB. THIS ITEM HAS BEEN DELETED NUMEROUS TIMES BUT ACCORDING TO FCRA 15 USC 1681 C-2 NOTIFICATION TO CONSUMER, THE CONSUMER SHOULD BE NOTIFIED IMMEDIATELY, AND I WAS NOT NOTIFIED. I ALSO REQUESTED FOR PROOF OF VALIDATION OF ACCOUNT FROM THE FURNISHER AS NO PROOF WAS GIVEN TO ME. PER THESE FCRA RULES THIS ITEM SHOULD BE DELETED AND REMOVED FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
THERE IS A FRAUDULENT ACCOUNT REPORTING ON MY CREDIT REPORT FROM XXXX. PER FCRA 605B VICTIMS OF IDENTITY THEFT ALLOWS CREDIT BUREAU TO BLOCK FRAUDLENT INFORMATION. THIS IS A FRAUD ACCOUNT IN WHICH IT HAS BEEN REPORTED TO TWO LOCAL POLICE DEPARTMENTS AND REPORT NUMBERS WERE PROVIDED AS WELL AS A ID THEFT AFFADAVIT WAS ALSO FILED WITH THE CFPB. THIS ITEM HAS BEEN DELETED NUMEROUS TIMES BUT ACCORDING TO FCRA 15 USC 1681 C-2 NOTIFICATION TO CONSUMER, THE CONSUMER SHOULD BE NOTIFIED IMMEDIATELY, AND I WAS NOT NOTIFIED. I ALSO REQUESTED FOR PROOF OF VALIDATION OF ACCOUNT FROM THE FURNISHER AS NO PROOF WAS GIVEN TO ME. PER THESE FCRA RULES THIS ITEM SHOULD BE DELETED AND REMOVED 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 explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against XXXX XXXX XXXX regarding an account I have with them XXXXXXXX XXXX XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$700.00}. 

I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with XXXX XXXX XXXX buttonoavail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: VA

Complaint narrative:
ID theft FTC rpt XXXX. XXXX unauthorized inquiries across TransUnion, Experian & Equifax from XXXX. Full list attached. Demand block under FCRA 605BTransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX XX/XX/XXXXXXXX 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 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  XX/XX/XXXX. Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: TX

Complaint narrative:
I hereby dispute the collection account reported on my credit file as fraudulent. I have no obligation to pay this debt and do not recognize it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX  Account Number ; XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against I C SYSTEM regarding an account I have with XXXXXXXX XXXX XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : I C SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX Balance : {$160.00}. 

I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with I C SYSTEM buttonoavail.

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 2025-07-11 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: AZ

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date

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 2025-07-11 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: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$20000.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$650.00}. 
Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: HireRight Solutions, Inc.
State: MN

Complaint narrative:
I submitted a background check on XX/XX/year> to HireRight and am still waiting for a completed background check. I was told the background check would be completed on XXXX, XXXXXXXX XXXX  but I'm still waiting for a completed background check. I've lost wages due to the delay as my job offer is contingent on a completed background report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: FL

Complaint narrative:
Complainant : XXXX XXXX XXXX. 
Subject : Final Attempt to Resolve Ongoing Credit Reporting Inaccuracies with Experian, Equifax, and TransUnion I am submitting this complaint against Experian, Equifax, and TransUnion due to their continued failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding inaccurate and potentially unverifiable information in my credit reports. Despite multiple dispute submissions, including my most recent on XX/XX/XXXX, the credit bureaus have failed to take corrective action or fulfill their legal obligations. 

Instead of conducting a reasonable and good-faith reinvestigation, the bureaus issued blanket " verified '' responses without providing the method of verification as required under 15 U.S.C. 1681i ( a ) ( 7 ). This noncompliance obstructs my right to ensure that only accurate, complete, and verifiable data appears on my consumer report. 

Disputed Accounts : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Disputed Inquiries : XXXX XXXX  Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX  Violations of Federal Law : 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 7 ) Failure to provide the method of verification 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy Despite my repeated requests, the bureaus have failed to provide the following : The specific procedures or method of verification used to confirm the accuracy of each disputed item The name, contact details, and role of the data furnisher ( s ) Any documentation used to verify the disputed information These actions represent serious and ongoing violations of my rights under federal 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 2025-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Complainant : XXXX XXXX XXXX. 
Subject : Final Attempt to Resolve Ongoing Credit Reporting Inaccuracies with Experian, Equifax, and TransUnion I am submitting this complaint against Experian, Equifax, and TransUnion due to their continued failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding inaccurate and potentially unverifiable information in my credit reports. Despite multiple dispute submissions, including my most recent on XX/XX/XXXX, the credit bureaus have failed to take corrective action or fulfill their legal obligations. 

Instead of conducting a reasonable and good-faith reinvestigation, the bureaus issued blanket " verified '' responses without providing the method of verification as required under 15 U.S.C. 1681i ( a ) ( 7 ). This noncompliance obstructs my right to ensure that only accurate, complete, and verifiable data appears on my consumer report. 

Disputed Accounts : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Disputed Inquiries : XXXX XXXX  Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX  Violations of Federal Law : 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 7 ) Failure to provide the method of verification 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy Despite my repeated requests, the bureaus have failed to provide the following : The specific procedures or method of verification used to confirm the accuracy of each disputed item The name, contact details, and role of the data furnisher ( s ) Any documentation used to verify the disputed information These actions represent serious and ongoing violations of my rights under federal 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 non-monetary relief
Consumer complaint received 2025-07-11 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: AZ

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report. 

Reporting inaccurate and unauthorized information violates the Fair Credit Reporting Act ( FCRA ) and is causing serious and unjust damage to my credit. If this item is not removed promptly, I expect a full deletion of this fraudulent account without delay.

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: WI

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2025-07-11 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: TN

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. 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 response to consumer: Closed with non-monetary relief