vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 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: CA

Complaint narrative:
Report number XXXX for dispute experian XXXX XXXX I am submitting this complaint against Experian for failing to comply with federal laws governing the accuracy of consumer credit reports. I have evidence that they have violated the Fair Credit Reporting Act ( FCRA ) as follows : 1. Background : On XX/XX/XXXX, I submitted a dispute regarding inaccurate information on my credit report. XXXX XXXX XXXX card account XXXX I waited the legally required 35 days for their investigation and response. 
Experian credit report responded, stating that my accounts had been updated. However, after comparing my credit reports from XX/XX/XXXX and XXXX XXXX I found no modifications were made by experian, incorrect balance dates and monthly payments showing on each credit bureaus no contract with my signature that im obligated to pay {$510.00} 15 USC 1681i ( 5 ) : Failure to delete or modify inaccurate, incomplete, or unverifiable information following a proper dispute.

15 USC 1681e ( b ) : Failure to ensure maximum possible accuracy of the information in my credit file. 15 USC 1681i ( c ) : Failure to notify me about the reinsertion of disputed information or include a statement of dispute in my report. 15 USC 1681s-2 and 15 USC 1681s-2 ( a ) ( 1 ) ( B ) : Failure to conduct a reasonable investigation of disputed information and report accurate data to
credit bureaus 15 USC 1681i ( a ) ( 1 ) ( A ) : Failure to conduct an adequate investigation of my dispute in a timely 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 2025-02-13 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- {$1100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Due to losing job account was sent to collections agency by the name oXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX the account was resolved Merchant is XXXX creditor is affirm. Was told that within 30 days XXXX report will be updated as paid and still is not. 
Have contacted collections agency and affirm and they have both be verified debt has been cleared. Contacted XXXXXXXX to have removed but they stated when the department verified information with company it shows I still have balance and that is incorrect, Ive sent in confirmation showing debt has been paid

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: GA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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. The accounts are XXXX  opened XX/XX/XXXX Amount : XXXX, XXXX XXXX opened XX/XX/XXXX Amount : XXXX, XXXX opened XX/XX/XXXX Amount : XXXX, XXXX XXXX  opened XX/XX/XXXX Amount : XXXX, XXXX XXXX  opened XX/XX/XXXX Amount : XXXX, XXXX XXXX  opened XX/XX/XXXX Amount : XXXX, XXXX  XXXX XXXX  opened XX/XX/XXXX Amount : XXXX, XXXX  XXXX opened XX/XX/XXXX Amount : XXXX, XXXX opened XX/XX/XXXX Amount : XXXX Ive reached out to the companies and havent received any type of feedback

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: FL

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. The accounts are XXXX  opened XX/XX/XXXX Amount : XXXX, XXXX XXXX opened XX/XX/XXXX Amount : XXXX, XXXX opened XX/XX/XXXX Amount : XXXX, XXXX XXXX  opened XX/XX/XXXX Amount : XXXX, XXXX XXXX  opened XX/XX/XXXX Amount : XXXX, XXXX XXXX  opened XX/XX/XXXX Amount : XXXX, XXXX  XXXX XXXX  opened XX/XX/XXXX Amount : XXXX, XXXX  XXXX opened XX/XX/XXXX Amount : XXXX, XXXX opened XX/XX/XXXX Amount : XXXX Ive reached out to the companies and havent received any type of feedback

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: Marlette Funding, LLC
State: FL

Complaint narrative:
{$730.00} BEST EGG ESTABLISHED XX/XX/XXXX, CALLED COMPANY ON XX/XX/XXXX THEY CANT FIND ME IN THEIR SYSYEM

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Received notification of a collection account through XXXX Credit report. I am not familiar with the collection agency, XXXX XXXX XXXX. I was advised by an XXXX  XXXX that the collection agency has Citibank as the original creditor. I have never opened an account with Citibank. 

In XX/XX/year>, I noticed Citibank appeared on my XXXX Credit report. I contacted Citibank 's XXXX dept, and it was determined it was not me. Citibank was removed from my XXXX Credit report. 

XXXX XXXX XXXX 's information from my XXXX credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: OH

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
XX/XX/year> I sent {$200.00} to XXXX XXXX to help find my lost dog. He ended up scamming me and will not return the money. I have tried to dispute the transaction with CashApp and they will not return the money or help with getting my money back. CashApp will not let me dispute the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
This debt does not belong to me as I left that apartment not owing anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: DE

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 2025-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My car was broken into and my checks were stolen, I did not realize that they were stolen. XXXX checks were cashed in my name at different times for smaller amounts. When I noticed the second check, I immediately called Wells Fargo bank and reported both checks that I had not cashed as well as changed my account number and request requested new checks Wells Fargo sent me a letter saying that they could not reimburse me for the checks that were cash in my name and the money that was stolen from me because I had been so long since the time had passed. I had called one week after noticing the second check was cashed. I did not notice the first check because it was a smaller amount and it just went right along with my transactions. Wells Fargo acknowledge that there was a problem with my account and they changed my account number gave me a new card sent me a new checks, but they are refusing to give me the money back that was stolen from me. Wells Fargo should have noticed that the checks were not consistent with the checks that I cashed along with. It was not my signature. This is a error in Wells Fargo for not detecting that it was fraud. I am requesting to be reimbursed for the money that was stolen from me. 


As soon as I noticed, the second check had been cashed. I contacted Wells Fargo immediately and I had reported both checks. I contacted Wells Fargo approximately one week after the second check was cashed and then I looked into my account summary and thats what I found the first check. 


I understand that its my fault for not reporting this in a timely manner however, I did not notice. I reached out to Wells Fargo and I submitted a complaint through the CFPB and Wells Fargo responded to me saying they were denying my claim and not paying me back the money that I am owed. 

Im submitting another claim for another investigation and I have reached out to Wells Fargo and I told them that I will be closing my account and walking away from them as a customer of over 10 years if they do not come to a resolution of this problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: FL

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Amount : XXXX XXXX XXXX : XXXX : {$6900.00} Date of XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: IL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: SC

Complaint narrative:
Kindly ensure the unauthorized accounts on my credit report are blocked and removed without delay. I did not open or authorize these accounts and am unaware of their origins. Under USC 1681g, I formally request their removal within 15 days. Relevant documents have been included for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit 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 2025-02-13 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: CA

Complaint narrative:
Disputed XXXX XXXX XXXX XXXX several times with Equifax. They never supply the verification information. Conducting sham investigations that fail to properly address consumer disputes : When handling disputes, Equifax uses faulty intake procedures and does not accurately convey all relevant information about disputes to the original furnisher. Equifax routinely and uncritically accepts the original furnisher 's response to the disputed information, even when that response was improbable or illogical on its face, or when Equifax has other information available that suggests the furnisher is unreliable. At the conclusion of the investigation, Equifax sends consumers notices that fail to inform them of the investigation results, and instead provides information that is confusing, ambiguous, incorrect, or internally inconsistent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: AZ

Complaint narrative:
I called mechanic banks and asked if they are California republic banks and they said they bought California republic banks and I send mechanic banks screenshots of my credit report where it says California republic banks has decreased on my score on my credit report I also called XXXX XXXX, equifax, the credit bureau told me theres different names that are spilled different on my credit report and that it shows for California republican banks 3 months late payments. XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I been calling they said they will investigate and removed any mislead names and addresses that are not mine. And will send me a report in the mail. This been affecting my credit score for years since the vehicle been paid off. My credit score has not gone up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I called mechanic banks and asked if they are California republic banks and they said they bought California republic banks and I send mechanic banks screenshots of my credit report where it says California republic banks has decreased on my score on my credit report I also called XXXX transUnion, XXXX, the credit bureau told me theres different names that are spilled different on my credit report and that it shows for California republican banks 3 months late payments. XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I been calling they said they will investigate and removed any mislead names and addresses that are not mine. And will send me a report in the mail. This been affecting my credit score for years since the vehicle been paid off. My credit score has not gone up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief