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

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collections/closed XXXX XXXX XXXX {$1900.00} Inquiries 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: WA

Complaint narrative:
Called XX/XX/XXXX about getting a letter that debt was paid off. Told they dont do letters of deletion but can provide a letter the debt was paid off in full. It will take 24 hours to get the letter. Called on Wednesday XX/XX/XXXX, they stated they will resubmit a request of a letter. Asked if I went to the company and paid off the debt. I told them yes. The gal stated that was fine and she will put the request in again. It may take 72 hours to get a notice about it. I call yet again today XXXX, they are now telling me legal denied my request but didnt explain as to why. I told her I paid the debt off through the company and I no longer owe money so there isnt a reason as to why this letter should have been denied. She just said Ill put in other request and that was it. This company has been giving the run around and not really helping me solve this problem or situation. I am just wanting a letter stating that I have paid the debt in full and I no longer owe any money on 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 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XXXX XXXX  has also failed to report accurate information following the identity theft. How are there so many addresses and accounts opened at the same time with different addresses, phone numbers, and id. You all have failed me by not protecting my identity and making it harder for the actual person to live. Attached are police reports to help remove unjustified accounts open fraudulently and somehow merged into actual accounts making the good accounts be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00}

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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I closed my XXXXXXXX XXXX XXXX credit card on XX/XX/year>. It was removed from my payment history when it was last reported on XX/XX/year>. I also closed my XXXX XXXX account on XX/XX/year> and it was also removed from my payment history when it was last reported on XX/XX/year>. However, they both have reappeared on my payment history and have negatively affected my credit and ability to apply for other applications. I understand that it can show up for up to 4 years after closing, but once it is removed, it shouldn't reappear. If it would have shown up since I closed it in XXXX of last year and still on my report I would understand, but once it is removed and shows my payment history as 100 %, it should not randomly reappear months later. I disputed both companies through XXXX XXXX with my dispute reason being " I closed this account, payment history/rating is incorrect ''. Once the dispute came back, it was labeled as resolved and result was " Approved ''. However, nothing was corrected and the accounts still show up on my payment history. I reached out to the companies and they told me that the reporting part of this is on the bureaus and so now I would like the bureaus to correct this on my credit. I would like both accounts to be removed like it was before and my payment history to be restored to 100 %.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I closed my XXXXXXXX XXXX XXXX credit card on XX/XX/year>. It was removed from my payment history when it was last reported on XX/XX/year>. I also closed my XXXX XXXX account on XX/XX/year> and it was also removed from my payment history when it was last reported on XX/XX/year>. However, they both have reappeared on my payment history and have negatively affected my credit and ability to apply for other applications. I understand that it can show up for up to 4 years after closing, but once it is removed, it shouldn't reappear. If it would have shown up since I closed it in XXXX of last year and still on my report I would understand, but once it is removed and shows my payment history as 100 %, it should not randomly reappear months later. I disputed both companies through XXXX XXXX with my dispute reason being " I closed this account, payment history/rating is incorrect ''. Once the dispute came back, it was labeled as resolved and result was " Approved ''. However, nothing was corrected and the accounts still show up on my payment history. I reached out to the companies and they told me that the reporting part of this is on the bureaus and so now I would like the bureaus to correct this on my credit. I would like both accounts to be removed like it was before and my payment history to be restored to 100 %.

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 2025-04-04 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: MI

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 explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

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 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 2025-04-04 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: IL

Complaint narrative:
Equifax is reporting an account negatively on my credit report that is CLOSED on the other credit agency report such a as XXXX and XXXX. " XXXX XXXXXXXX XXXX ''. the account status, and open dates, as well as the remarks are very much different. According to the FCRA Consumer credit reports must report accurate information and EQUIFAX is NOT they're reporting inaccuracies which is violating the FCRA. I did not give Equifax the permission to furnish my credit report negatively which they're doing without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: 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 two Bureaus 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 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 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 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

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 2025-04-04 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-04-04 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: OH

Complaint narrative:
Here is the list of fraudulent inquiries : 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 non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Well Fargo, An ATM withdrawal from my debt card for {$200.00} that I didnt make was the first fraud. I reported that to Wells Fargo and they decided to send me a new card. They asked me if I would like to add it to my digital wallet and I said yes.10 minutes later my card was charged {$910.00}, XXXX XXXX. I didnt even have the card in my possession! They canceled that card and decided to send me a new one. They asked once again if Id like to add to my digital wallet and I said yes. Within 20 minutes my credit card was charged XXXX, {$500.00}, {$12.00} and {$3.00}. Once again the credit card was not in my possession. I called Wells Fargo several times and yesterday they said they would not approve the fraudulent charges for all of these charges. Several fraudulent charges were from XXXX XXXX in XXXX, XXXX and XXXX in XXXX XXXX and XXXX XXXX XXXX. I live in XXXXXXXX XXXX The two debit cards that were added to my digital wallet were compromised by someone else, both of those cards were not in my possession. I am really disappointed in Wells Fargo and how they handled this situation. I am out over {$2000.00} in fraudulent charges. I will contact the police today.

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 monetary relief
Consumer complaint received 2025-04-04 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: MO

Complaint narrative:
I discovered that my personal information has been fraudulently used in association with multiple addresses that I have no knowledge of or connection to. These addresses include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize the use of my information for any activities related to these addresses. I believe my identity has been used without my consent, and I am concerned that this may involve credit, utilities, or other services being fraudulently obtained in my name. I am requesting an investigation and appropriate steps to help me resolve this matter and protect my identity moving

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 2025-04-04 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Subject : Formal Complaint Against PayPal for Unjustified Denial of Unauthorized Transaction Dispute To Whom It May Concern, I am submitting this formal complaint against PayPal , Inc., regarding its improper handling and unjustified denial of my dispute related to unauthorized transactions on my account. Despite my repeated efforts to rectify the situation through PayPals internal dispute resolution process, the company has failed to conduct a proper forensic investigation or provide substantial evidence to justify its decision.

Summary of the Issue On [ date of transactions ], my PayPal account was subjected to unauthorized transactions totaling [ amount ]. Upon detecting the unauthorized activity, I immediately reported the matter to PayPal and initiated a dispute. However, PayPal arbitrarily denied my claim, citing that my account exhibited consistent activity and that my account balance suggested I was aware of the transactions. 

This justification is not only legally insufficient but also fails to meet fundamental consumer protection standards. The frequency of account usage can not be used as a determinant of transaction legitimacy, nor does it absolve PayPal from its responsibility to provide clear, technical, and verifiable evidence that I personally authorized these transactions. 

Key Concerns and PayPals Failure to Act Responsibly 1.Lack of Proper Investigation : PayPal has failed to conduct a forensic-level review of these transactions, neglecting critical factors such as : Potential security breaches within their system or merchant network. 
The possibility of card cloning or compromised credentials. 
The absence of multi-factor authentication or additional security measures that should have been required for these transactions. 
XXXX to Provide Evidence : PayPal has not produced any substantial evidence proving that : The transactions originated from a trusted and previously authorized device. 
The transactions were validated using an authentication method explicitly linked to me. 
No indicators of fraudulent activity were detected ( e.g., unusual IP addresses, irregular transaction patterns ).

3.Violation of Consumer Protection Regulations : Under Regulation E ( Electronic Fund Transfer Act - EFTA, 12 CFR Part 1005 ), consumers are entitled to dispute unauthorized transactions. PayPals arbitrary dismissal of my claim without proper evidence or investigation appears to violate these protections.

PayPals actions may also constitute unfair or deceptive practices under the XXXX XXXX XXXX Reform and Consumer Protection Act by failing to uphold fair dispute resolution procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: PA

Complaint narrative:
Description of Fraudulent Accounts : In XXXX XXXX, I discovered that fraudulent accounts with XXXX XXXX and XXXX XXXXXXXX XXXX  XXXX which were previously deleted from my credit report, were reinserted without written notification. These accounts were opened in my name without my authorization. I did not apply for these accounts, nor did I give anyone permission to open them. 

XXXX XXXX Account : - Date of discovery : ** XXXX XXXX - Amount owed : {$0.00} - Action taken : ** I previously reported this fraudulent account to XXXXXXXX XXXX  and filed a fraud claim. The account was deleted from my credit report but was reinserted without any written notification, in violation of my rights. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605, you are required to notify me in writing within a reasonable time when reinserting a deleted account. I am requesting thaXXXX XXXX XXXX  immediately block and remove this fraudulent account from my credit report, in compliance with the FCRA, and provide written confirmation of this action within 4 days. 

XXXX XXXX XXXX Account : - Date of discovery : XXXX XXXX  - Amount owed : {$0.00} - Action taken : ** Similarly, I had previously reported the fraudulent activity to XXXX XXXX XXXX  and the account was deleted from my credit report. However, it was later reinserted without my knowledge or written notice from XXXX XXXX, which also violates my rights under the FCRA. I am requesting that XXXX XXXX immediately block and remove this fraudulent account from my credit report, in compliance with the FCRA, and provide written confirmation of this action within 4 days. 

Both banks were promptly informed about the fraud, and under the FCRA, I am entitled to the removal of these fraudulent accounts from my credit report. I am also requesting that both banks provide written confirmation of the reinsertion and any actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
After more than 10 years of litigation ( XXXX XXXX. XXXX ), Wells Fargo continues to withhold critical loan information explicitly required by federal law.

Despite repeated, explicit requests, Wells Fargo refuses to provide documented proof of continuous loan ownership, detailed breakdowns of foreclosure-related charges, and explanations for unauthorized mortgage re-recordings ( notably XX/XX/year> ). 

Internal records confirm multiple title insurance claims filed by Wells Fargo ( approx. XXXX ), yet Wells Fargo intentionally blocked attempts to subpoena these vital details in court ( XX/XX/year> ), preventing transparency. 

No disclosure has been made regarding insurance proceeds received or their impact on my loan balance, payoff calculations, or foreclosure legitimacy.

These actions blatantly violate RESPA ( 12 U.S.C. 2605 ( e ) ), Regulation X ( 12 CFR 1024.36 ), and Florida law ( 701.04, 817.535 ).

I urge immediate and decisive CFPB intervention to compel Wells Fargos compliance, transparency, and accountability. 

SEE ATTACHED COMPLAINT AND EXHIBITS.

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