vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I purchased solar panels with a wells fargo visa card XXXX for over {$4000.00} dollars approx 4 months ago and never received the order. They pocketed the money and did not purchase or ship the products from the mfg. When I complained they said be patient the ship is in middle of XXXX. 
When that proved to be FRAUD and False, I cancelled the order but they promised a 2nd order was coming. Now that has proven false also. 
So my only request is that WELLS FARGO NOT DEFRAUD ME LIKE THE SELLER. THEY CLEARLY STATE THAT VISA CARD CUSTOMERS GET THE CHARGES REVERSED WHEN SELLERS COMMIT FRAUD AND DO NOT SHIP THE PURCHASED ITEM TO THEM. 
FOR SOME UNKNOWN REASON, WELLS FARGO BANK IS SITTING ON THIS AND REFUSING MY REVERSE OF OVER {$4000.00} DOLLARS. HOW MANY MONTHS DOES WELLS FARGO TAKE TO MAKE A DECISION ON OBVIOUS FRAUD. THEY SEEM TO BE ACCUSING THE VICTIM OF HAVING COMMITTED A FELONY. i AM NOT A CROOK AND DID NOT DO ANYTHING WRONG.

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
The following is what was sent BoA in XXXX : I am writing regarding the findings of a dispute that I reported to your fraud department concerning a wire transfer. The confirmation number of the dispute is XXXX I was informed that the dispute of the {$30000.00} was denied due to our not reporting the issue within 60 calendar days from the date of the statement. I would like to explain the background to you as to why this did not occur and that the 60 days should not be a factor in this situation. 
In the summer of XXXX, we were having issues with our accounts being hacked/scammed constantly. As a result, we were continuing to have to close accounts and then open new ones. Evidently BoA got tired of this and after 40 plus years with you closed all of our accounts. ( As an fyi for you when we switched banks the hacking/scamming stopped ) Because of all that had transpired we had no idea if the amount of money that we were given upon closing was correct and what kind of shape our accounts were in we requested statements for all of XXXX and XXXX. We then painfully went through each statement line by line which is where the wire transfer fraud was discovered. 
I can understand that there has to be rules put in place but there also are extenuating circumstances that should overrule them. I see this as one of those situations. 
In addition, my wife and I are XXXX XXXX XXXX and need every XXXX we can get. 
We would appreciate you taking all the above into consideration and sending us a check for the fraud amount.

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 2025-02-11 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: FL

Complaint narrative:
I would appreciate it if you could quickly remove the fraudulent entries from my credit report due to the situation and take the necessary actions to correct any inaccuracies or fraudulent activities. I've included documentation from the relevant authorities to back up my claims.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am writing to formally file a complaint against Equifax and Experian for their repeated reinsertion of a fraudulent account ( see attached ) into my credit report, despite my prior disputes and their initial removal of the account. I am a victim of identity theft, and this issue has caused me significant financial and emotional distress for the past 10 months. 

The fraudulent account in question has been transferred or sold multiple times, yet both Equifax and Experian have removed it from my credit report only to later reinsert it without proper notification, as required under the Fair Credit Reporting Act ( FCRA ). This repeated reinsertion of an illegitimate account is not only a violation of my consumer rights but also continues to harm my creditworthiness and financial standing. 

I have provided documentation multiple times to both credit bureaus proving that this account is fraudulent and should not be associated with my credit file. Despite this, they have failed to maintain accurate reporting and have allowed this inaccurate information to be reinserted without proper investigation or notice. 

I respectfully request that the CFPB investigate this matter and take appropriate enforcement action against Equifax and Experian for their failure to comply with FCRA regulations. Additionally, I seek the following resolutions : - The permanent removal of the fraudulent account from my credit report. 
- Assurance that this account will not be reinserted in the future. 
- A formal response from Equifax and Experian detailing the corrective actions they will take to prevent this issue from recurring. 

Any additional remedies deemed appropriate by the CFPB to address this violation of my consumer 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 2025-02-11 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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
I disputed an collection account XX/XX/XXXX and also filed an complaint with the CFPB about this same collection account that was being inaccurately reported from XXXX. I also asked XXXX for an re-investigation of this same collection account due to the fact I never received any documentation to validate this alleged collection. On the contrary, XXXX deleted this collection from my credit report the Month of XXXX of XXXX along with XXXX and XXXX because it could not be properly verified. However, I reviewed my credit report in XXXX of XXXX and this collection reappeared in my credit file. As to date I have not received any written notices from XXXX or the Collection Agency LVNV FUNDING LLC stating that the reinsertion of a previous deleted account has reappeared into my credit file. I would like to also state the fact that XXXX along with XXXX does not properly investigate disputes from consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IN

Complaint narrative:
am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : OAG CHILD SU # XXXX - BALANCE {$5700.00} - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to formally notify you that I believe my consumer rights have been violated due to the inaccurate and incomplete information on my credit report and the failure to correct my personal information despite multiple requests. 

Despite providing proper documentation and making reasonable efforts to ensure that my name and address were updated and corrected, I have experienced continued inaccuracies in my file. Specifically, the following issues remain unresolved : name and address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Equifax : Delinquent Payment XXXX XXXX XXXX - never late Transunion : XXXX XXXX - not my account XXXX XXXX XXXX not my account XXXX  XXXX  - never late - paid ahead XXXX XXXX XXXX  - never late XXXX XXXX XXXX XXXX never late XXXX XXXX  XXXX never late Experian : 2 account recently reported as late These accounts were reported as late on your most recent Experian credit report. 

XXXX CARD - never late XXXX XXXX  XXXX -never late

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN BUSINESS CRED - XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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:
I would appreciate it if you could quickly remove the fraudulent entries from my credit report due to the situation and take the necessary actions to correct any inaccuracies or fraudulent activities. I've included documentation from the relevant authorities to back up my claims.

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 2025-02-11 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 did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking 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 non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On several occasions, I have written to XXXX XXXX XXXX XXXX XXXX XXXX to verify an alleged debt. I have yet to receive a response. They are displaying this on my credit bureau report. This is not my account. They have it linked to an address I have never lived at. 


XXXX XXXX XXXX XXXX XXXX Account 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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On several occasions, I have written to XXXX XXXX XXXX XXXX asking them to verify an alleged debt. I have yet to receive a response. They are displaying this on my credit bureau report. This is not my account. They have it linked to an address I have never lived at. 


XXXX XXXX XXXX XXXX XXXX Account 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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On several occasions, I have written to XXXX XXXX XXXX XXXX asking them to verify an alleged debt. I have yet to receive a response. They are displaying this on my credit bureau report. This is not my account. They have it linked to an address I have never lived at. 


XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX .....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings
State: TN

Complaint narrative:
A security alarm account with XXXX was approved and opened fraudulently under my name to which I have no knowledge of XX/XX/XXXX in XXXX XXXX XXXX The account has now went into collections which is how I've discovered it to be a fraud activity. 
XX/XX/XXXX I started receiving text messages from ( XXXX ) XXXX stating they are with Zion Debt Holdings and have purchased the account from XXXX and is now attempting to collect. I text and stated I have no knowledge of the account and they told me to file a police report. XX/XX/XXXX I filed a police report and sent it to the email they gave me to send it to. They proceeded to text and tell me I have to file charges on whoever set up the account in which I have no knowledge of who set up the account. I responded asking for a copy of my ID or any other accurate personal information they should have about me. They're last response was " Sorry, this service is not available '' on the same number they've been texting me from for weeks. It appears that my name was used to set up an account with no other accurate personal detailing information. I am asking for this to be removed from my credit.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation