vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: KY

Complaint narrative:
I am a victim of Identity Theft. The person who opened this account, made all the charges on this account, made payments on this account and who is solely responsible for this account is deceased. Please close this account immediately, remove the entire balance from this account, and send me a letter stating you have done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: TN

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, 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 XXXX has neither corrected nor removed or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: SC

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 2025-03-06 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: GA

Complaint narrative:
TransUnion continues to report an inaccurate account on my consumer report ( XXXX XXXX, ACCOUNT # XXXX ), even though XXXX and XXXX have already removed it. I did not authorize, give permission, or provide written consent for this account to be reported, making XXXX actions a clear violation of the Fair Credit Reporting Act. Under 15 U.S.C. 1681b ( 2 ), a consumer report may only be furnished with the written instructions of the consumer, which I never provided. I have disputed this account multiple times, yet TransUnion has failed to properly investigate and remove it, violating 15 U.S.C. 1681i ( a ) ( 1 ). This erroneous reporting is preventing me from securing a mortgage, causing severe financial and emotional distress. I have attached a partial report showing that only TransUnion is still reporting this account. I demand the immediate deletion of this inaccurate information. If TransUnion does not comply, I will be forced to take further legal action for willful and negligent non-compliance under 15 U.S.C. 1681n & 1681o.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC
State: NV

Complaint narrative:
I HAVE SENT THIS INFORMATION TO CORELOGICS OVER AND OVER AGAIN. THEY CONTINUE TO LIE AND SAY THEY NEVER RECEIVED IT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: GA

Complaint narrative:
AFFIDAVIT OF TRUTH I, XXXX XXXX, being duly sworn, do hereby make this affidavit and state as follows : Introduction : I am a resident of [ Your Address ], in the County of [ Your County ], and I am of legal age to make this affidavit. This affidavit is made based on my personal knowledge and belief regarding the violations of 18 U.S.C. 1028A ( Aggravated Identity Theft ) that have occurred in relation to my personal information.

Violations of Law : I hereby declare that I have been a victim of aggravated identity theft as defined under 18 U.S.C. 1028A. Specifically, [ describe the nature of the identity theft, how it has occurred, and any relevant details that demonstrate the misuse of your identity ]. 
Request for Action : I am formally requesting the removal of any fraudulent accounts associated with my name and Social Security number that have been opened without my consent. This includes, but is not limited to, [ list any specific accounts or creditors ].

IRS Fraud : Furthermore, I am demanding the issuance of a 1099-C form related to any fraudulent income reported to the IRS in connection with this identity theft. I will not tolerate any further fraudulent claims against my name.

Racketeering Charges : I assert that the actions taken against me constitute a pattern of racketeering activity as defined by federal law. I will take all necessary steps to enforce appropriate racketeering charges against those responsible for this identity theft and related fraud. 
Final Notice : This document serves as your final notice to rectify this situation. I demand immediate action to remove the fraudulent account and all associated claims. Failure to comply will result in my pursuing all legal remedies available to me, including, but not limited to, civil litigation and criminal charges. 
Affirmation : I affirm that the statements made herein are true and correct to the best of my knowledge and belief. 
Dated this XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: IL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the allege debt. nor therefore any such debt in fact, therefore exist. ( please remove these accounts before I seek litigation for defamation of character. ) XXXX XXXX XXXX XXXXXXXX XXXX {$0.00}, XXXX XXXX balance {$690.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the allege debt. nor therefore any such debt in fact, therefore exist. ( please remove these accounts before I seek litigation for defamation of character. ) XXXX XXXX XXXX XXXXXXXX XXXX {$0.00}, XXXX XXXX balance {$690.00}.

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 non-monetary relief
Consumer complaint received 2025-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am a victim oXXXX XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
This is on my restart as a result as identity theft. Please remove this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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:
On my experian credit report My social security number is XXXX and on my experian credit report my complaint is that the negative account wells fargo credit card supposed to be removed from my experian credit report I had a federal trade commission report on 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 non-monetary relief
Consumer complaint received 2025-03-07 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: NY

Complaint narrative:
On my experian credit report My social security number is XXXX and on my experian credit report my complaint is that the negative account wells fargo credit card supposed to be removed from my experian credit report I had a federal trade commission report on 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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against Equifax and XXXX for their failure to accurately report credit information, which has resulted in significant harm to my financial standing. Despite multiple disputes and provided evidence, they continue to knowingly report incorrect information, violating the Fair Credit Reporting Act ( FCRA ) and causing me severe financial and emotional distress. Due to these repeated violations and the harm caused, I demand that XXXX be permanently blocked from reporting to my credit files. I am requesting that this complaint be escalated to all parties, Corporate offices, and Officers. 

Complaint Details : Double Reporting and Manipulation of Account Numbers by XXXX XXXX is double-reporting the same XXXX XXXX XXXX XXXX XXXX under different account numbers, repeatedly altering the account details to ensure continued damage to my credit file. 

In a recorded call, a Supervisor named XXXX from XXXX XXXX XXXX XXXX initially stated that XXXX was reporting the accounts accurately. However, she later contradicted herself by validating that XXXX was indeed double-reporting the same accounts with different account numbers. This direct contradiction demonstrates XXXX deliberate attempt to manipulate reporting practices while falsely claiming compliance. 

Equifaxs Complicity in Reporting Inaccurate Information Despite acknowledging the inaccuracies, Equifax continues to report the erroneous data due to its business relationship with XXXX. 

In a recorded call with Sham from Equifaxs XXXX Department, he admitted that the information was inaccurate but claimed there was nothing he could do because XXXX kept verifying the disputed information. 

Sham referred me to the Equifax Business Department, where I spoke with a representative named XXXX. XXXX stated that Equifax could not remove the inaccurate reporting because XXXX is Equifax 's business partner, and their agreement allows XXXX to dictate the reporting. I am including XXXX and XXXX in this complaint so that they understand that a generic response from a dispute process from the data providers is not always accurate. 

Violations of the Fair Credit Reporting Act ( FCRA ) by Equifax and XXXX Violation of 15 U.S.C. 1681s-2 ( a ) : XXXX is knowingly furnishing inaccurate information to credit reporting agencies. 

Violation of 15 U.S.C. 1681s-2 ( b ) : Equifax has failed to conduct a proper reinvestigation despite clear evidence of inaccuracies. 

Violation of 15 U.S.C. 1681e ( b ) : Equifax has failed to maintain the maximum possible accuracy in my credit report.

Violation of 15 U.S.C. 1681i : Equifax has not properly investigated my disputes, as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Company known as portfoliorecovery has repeatedly reached out to my girlfriend several times since summer XXXX and as recently as XXXX XXXXXX/XX/XXXX. About an outstanding balance I have with them. She an I do not share any fiscal responsibilities together. We do not have accounts together. We never cosigned anything together. She has told them several times to stop contacting her. To contact me instead. Yes I owe a balance, but that doesnt mean they can harass people in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: PA

Complaint narrative:
I am writing to formally dispute the inaccurate information that appears on my credit report, as I believe it is the result of identity theft and/or reporting errors. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ) and Section 605B ( 15 U.S.C. 1681c-2 ), I have the right to request a thorough investigation and the immediate removal or blocking of any fraudulent or incorrect information. The specific item in question is associated with the following account : Account XXXX : XXXX. 

To support my claim, I have attached a Federal Trade Commission ( FTC ) Identity Theft Report, reference number XXXX, which documents the fraudulent activity. Additionally, I have enclosed copies of relevant documents, including a government-issued ID and any supporting evidence that further confirms my identity and dispute. 

Please be advised that knowingly reporting inaccurate information or failing to correct errors violates FCRA Section 623 ( 15 U.S.C. 1681s-2 ) and may result in liability for damages. As this error is negatively impacting my credit, I expect the necessary corrections to be made within the legally required timeframe and without unnecessary delays. 

I appreciate your prompt attention to this matter and request a written confirmation once the dispute has been resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: PA

Complaint narrative:
I am writing to formally dispute the inaccurate information that appears on my credit report, as I believe it is the result of identity theft and/or reporting errors. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ) and Section 605B ( 15 U.S.C. 1681c-2 ), I have the right to request a thorough investigation and the immediate removal or blocking of any fraudulent or incorrect information. The specific item in question is associated with the following account : Account XXXX : XXXX. 

To support my claim, I have attached a Federal Trade Commission ( FTC ) Identity Theft Report, reference number XXXX, which documents the fraudulent activity. Additionally, I have enclosed copies of relevant documents, including a government-issued ID and any supporting evidence that further confirms my identity and dispute. 

Please be advised that knowingly reporting inaccurate information or failing to correct errors violates FCRA Section 623 ( 15 U.S.C. 1681s-2 ) and may result in liability for damages. As this error is negatively impacting my credit, I expect the necessary corrections to be made within the legally required timeframe and without unnecessary delays. 

I appreciate your prompt attention to this matter and request a written confirmation once the dispute has been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo case number XXXX XXXX summit a dispute with Wells Fargo for XXXX transactions that were not made by me it was transactions that say were made through XXXX XXXX  you can check my history Ive never made a transaction anymore near those amounts, its in the thousands, so this is a lot. I called them explained what happen, they deactivated my card and sent me a new one, and was told to wait XXXX business days, today I get told that a error was not made I never claimed a error happened, I never made those charges to XXXX nor have I ever made any transactions in the past for such high amount, they should clearly be able to look at my history and see that it looks suspicious. They didnt provide a detailed explanation of what was happening nor why they decided to not help me. Ive been a Wells Fargo customer since a teenager and Id hate to leave over them not making the right decision.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Data breach or something. My name is XXXX XXXX XXXX, XXXX for short, anyway my husband looked on his chase XXXX card and seen {$300.00} deposit for y'all. We opened accounts, XX/XX/year> for my husband and I, joint I guess, at least that's what XXXX XXXX said my husband and I can do. We froze are accounts at least that's what Chase said! But no reference number or nothing. I know I ain't said much, we had XXXX cards from chase, XXXX for my husband, I put {$240.00} on his card and I put {$260.00} on my card. The {$300.00} deposit got ta be wrong, if so, we're is my {$260.00} at? Explain, my money went way to fast, oh yeah a representative said that since we have joint accounts we're going have to pay double! What! Please fix this. Oh before I forget why I don't see the {$260.00} on XXXX card?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: RI

Complaint narrative:
I have a XXXX XXXX car loan account that was paid off in 2021. I've had a few late payments in XXXXThe problem is that the closing dates and last payment dates are incorrect. I haven't missed a payment since. This error on my report is affecting my account negatively.

Company response to consumer: Closed with non-monetary relief