vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: TransferWise Ltd
State: TX

Complaint narrative:
On XX/XX/year> at XXXX XXXX, I received an email from Wise about a fee change to my account. The email states, " in XXXX, you should have received an email from us telling you about upcoming fee changes. Due to a technical error, you did not receive this email, however the fees were still updated on XXXX XX/XX/year>. Were sorry for any inconvenience this may have caused. '' Initially, I replied a few hours after receiving this email because it negatively affected my account. I told them that I wanted to work with them on resolving the matter, and I was disappointed in their failure to communicate in a timely manner to allow me time to take action before things went into effect. So I asked them if they would reduce the rate for a one-time transfer so I can transfer my funds. I was already looking into other options because I can't use my money -- Wise doesn't offer debit cards for US customers, and they have told me they are " working on it '' without communicating the status and when they expect to provide it again. 

I received an email that evening from XXXX, letting me know that they can not change the fees since they were changed on XX/XX/year>. I tried to reply several times to reply to the email address that sent the message, XXXX, to which I immediately received an email from noreply @ wise.com saying, " We don't monitor this email. '' So I went back to the Wise customer support page the next day and opened up another case to explain my disappointment in communications and the unfairness to me as a long-time customer that they failed to disclose a fee change before the change was made. 

Then, on XX/XX/XXXX, I received an email from a complaints XXXX notifying me that they received my complaint and will provide a formal response in 15 days. So then on XX/XX/XXXX, I received their formal response to my complaint. 

Their response was that because they sent out an apology letter, because they have a right to change their fees, and because I didn't make a transfer between the time they sent the notification in XXXX to the time I received the notification, XX/XX/XXXX, they were not going to uphold my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: MI

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 2025-05-15 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: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: TX

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

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 2025-05-15 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

UNAUTHORIZED INQUIRIES : Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XX/XX/XXXX Equifax 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 XXXXXXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. 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 any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Wells Fargo Bank , N.A . 
Attn : Customer Resolution Department Re : Formal Complaint and Deman for Arbitration-Unauthorized Bank Accounts and Deceptive Mediation Process To Whom It May Concern, I am writing to formally object to Wells Fargo 's refusal to address serious misconduct involving multiple unauthorized bank accounts opened in my name, and the misleading and incomplete mediation process I experienced regarding a separate issue. 

I participated in XXXX XXXX voluntary mediation XXXX XXXX related XXXX XXXX only XXXX XXXX to an unauthorized enrollment in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  product. That mediation did XXXX XXXX not XXXX XXXX  cover nor resolve any concerns regarding the unauthorized bank accounts Wells Fargo opened in my name a separate and distinct violation. I have since discovered Wells Fargo opened multiple accounts without my knowledge or consent. To date, I have not received any resolution, explanation, or opportunity to mediate or arbitrate this separate matter. 

In response to my continued efforts to address the unauthorized accounts, Wells Fargo has incorrectly stated that the matter was already resolved through mediation. This is patently false. The company has refused to grant access to arbitration, in direct violation of fair dispute resolution practices and possibly your own contractual obligations. 

I have physical documentation, including XXXX XXXX unsigned applications XXXX XXXX and written proof that the XXXX XXXX bank accounts were opened without my authorization XXXX XXXX as well as evidence showing that mediation only addressed the ID protection issue. 

Accordingly, I am demanding the following : XXXX. Immediate initiation of XXXX XXXX  binding arbitration XXXX XXXX or mediation concerning the unauthorized bank accounts opened in my name. 
XXXX. A full accounting of all accounts opened in my name, including dates, account types, and documentation of how these accounts were purportedly authorized. 
XXXX. A formal written response within XXXX XXXX XXXX XXXX XXXX XXXX of receipt of this letter, acknowledging these demands and outlining the next steps for resolution. 

Refusal will result in escalating this matter to the XXXX XXXX  Office of the Comptroller of the Currency ( XXXX ) XXXX XXXX, and my XXXX XXXX State Attorney Generals Office XXXX XXXX. I also reserve the right to pursue legal remedies for violations of federal and state consumer protection laws. 

This letter serves as formal notice and preservation of my rights. 

Sincerely, 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 2025-05-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: CT

Complaint narrative:
im looking into my credit report and theres wrong information on there from a XXXX XXXX XXXX XXXX i do not recall this account that's reporting non payment onto the credit report. It should be Mohela i would love for this to be investigated as it is putting wrong infomation onto my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am disputing the account listed under XXXX XXXX XXXX with a balance of {$8400.00}, opened on XX/XX/year>. I did not authorize this account, and it should not be on my credit report. 

Under FCRA Section 605B and 15 U.S. Code 1681b, this account must be removed if its reported without my permission.

Please delete this account from my credit report within 4 business days and confirm in writing once its been removed. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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 disputing the account listed under XXXX XXXX XXXX with a balance of {$8400.00}, opened on XX/XX/year>. I did not authorize this account, and it should not be on my credit report. 

Under FCRA Section 605B and 15 U.S. Code 1681b, this account must be removed if its reported without my permission.

Please delete this account from my credit report within 4 business days and confirm in writing once its been removed. 

Thank you, 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 2025-05-15 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: NY

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

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 2025-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been dealing with all three credit agencies and had my credit report on fraud alert and there has been multiple hacks to the credit bureaus and my information has been sold and mis used and been included with other scams or personnel usages with similar spelling or same name accounts. 

Ii have had accounts that is clearing not mine been included on 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 2025-05-15 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: FL

Complaint narrative:
I have been dealing with all three credit agencies and had my credit report on fraud alert and there has been multiple hacks to the credit bureaus and my information has been sold and mis used and been included with other scams or personnel usages with similar spelling or same name accounts. 

Ii have had accounts that is clearing not mine been included on 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 2025-05-15 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: NJ

Complaint narrative:
I submitted a dispute to Equifax regarding an inaccurate {$160.00} balance reported by XXXX XXXX XXXX XXXX I provided official documentation from the creditor dated XX/XX/year>, confirming full payment and that no fee was associated with the transaction. Equifax acknowledged receipt of my documents on XX/XX/XXXX but has failed to correct or remove the balance. 

Despite resolving this matter directly with the creditor and providing proof, Equifax re-reported the {$160.00} balance on XX/XX/XXXX, causing a XXXX drop to my XXXX XXXX and negatively affecting my credit profile. This is unfair and damaging. 

I am requesting immediate correction or deletion of the inaccurate balance, restoration of my score, and written confirmation of the changes. The continued reporting of this resolved debt is unacceptable and must be addressed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: MI

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit file. I am a victim of identity theft, and there are multiple accounts and inquiries listed on my credit report that I did not authorize or apply for. These items are not accurate and do not belong to me. 

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the unauthorized accounts and inquiries from my credit report. Attached to this letter, you will find a list of the disputed items as well as a copy of my Identity Theft Report filed with the Federal Trade Commission. 

Please take the necessary steps to investigate and delete these items from my credit report as soon as possible. I appreciate your prompt attention to this matter and request written confirmation once the corrections have been made.

Company response to consumer: Closed with explanation