vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Monday i walked to Wells Fargo to get a copy of estatements because of my account closing or not closeing but i dont have online access and when i got to the bank i gave them my reference number witch is a old Saveing Account i never knew i had come to find out I have a list of account numbers i would like Statements on. Only thing i found out it was somehow lost or stolen money that was there i dont know exactly what that means. I left a message to my Case worker with Wells Fargo but has not contacted me since beginning of XXXX when my account got closed. When i did open the Wells Fargo Account in Alaska i was Asked if i ever had a account in California and if i amitted at the time they could not help me.

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 2025-04-24 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX XXXX XXXX - XXXX List of Unauthorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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 if 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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau P.O. Box 27170 Washington, D.C. 20038 Re : Complaint Regarding Unresolved Errors by Experian Docket No. 8:25-cv-00024 CFPB v. Experian U.S. District Court for the Central District of California Dear Consumer Financial Protection Bureau , I am writing in reference to the ongoing litigation initiated by your office against Experian ( Docket No. 8:25-cv-00024 ), which was filed on XX/XX/year>, in the U.S. District Court for the Central District of California XXXX I wish to formally submit a complaint regarding Experian 's failure to correct errors on my credit report despite multiple good faith efforts on my part. 

Over the past [ insert time period ], I have submitted several disputes to Experian regarding inaccuracies on my credit report. These include [ briefly list the errorse.g., accounts that do not belong to you, incorrect balances, wrong payment statuses, etc. ]. Despite providing documentation and following all required dispute procedures, these errors have not been corrected or sufficiently investigated, and I continue to suffer negative consequences, including [ e.g., denied credit, higher interest rates, employment issues, etc. ]. 

I believe this pattern of behavior aligns with the allegations raised in your lawsuit against Experianspecifically, that the company has failed to uphold its obligations under the Fair Credit Reporting Act ( FCRA ), including the duty to conduct reasonable investigations of consumer disputes and to ensure the maximum possible accuracy of information reported. 

I respectfully request that your office include my case as part of its ongoing examination into Experian 's practices. I am also seeking guidance on how to escalate this issue further, as Experian has not provided any meaningful resolution or explanation regarding their failure to address the reported inaccuracies. 

Please find attached copies of my correspondence with Experian, documentation supporting my claims, and screenshots of my credit report showing the disputed entries. 

Thank you for your continued work protecting consumers like myself. I look forward to your response and am willing to provide any additional information needed to support my case. 

Sincerely, 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 2025-04-24 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: NJ

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This letter serves as my third formal dispute and demand for correction regarding inaccurate personal information on my credit report, which remains unresolved despite two previous written communicationson XX/XX/XXXX, and XX/XX/XXXX. My correct and current personal information is : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, NJ XXXX SSN : XXXX Date of Birth : XX/XX/XXXX In each of my prior letters, I included all required documentation under the Fair Credit Reporting Act ( FCRA ), including : A copy of my government-issued ID A utility bill verifying my current address A copy of my Social Security card Despite this, the inaccurate address remains on my report, and I have received no written response or evidence of a reinvestigation, which is a direct violation of your obligations under FCRA 1681i ( a ) ( 1 ). You are legally required to conduct a reasonable reinvestigation and respond within 30 days of receiving a dispute.

Additionally, continued reporting of inaccurate personal information violates the FCRA 's requirement to ensure the maximum possible accuracy of consumer data, as stated in FCRA 1681e ( b ). 
XXXX XXXX XXXX XXXX XXXX  NJ, 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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX  XXXX BALANCED {$320.00} XXXX XXXX BALANCED {$15000.00} XXXX XXXXXXXX BALANCED {$6200.00} These accounts has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 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, not later than XXXX business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-04-24 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: CA

Complaint narrative:
I am writing to formally dispute XXXX or more unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these XXXX be the result of identity theft or fraudulent activity.

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 2025-04-24 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: CA

Complaint narrative:
I am writing to formally dispute XXXX or more unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these XXXX be the result of identity theft or fraudulent activity.

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 2025-04-24 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: NC

Complaint narrative:
I am resending my complaint regarding the fraudulent items I requested to be removed. It appears that no investigation has been conducted yet. I am now formally requesting that Experian, Equifax, and XXXX  credit bureaus remove all fraudulent items from my credit report, as required by law. Please find the list of fraudulent items that need to be removed from my credit report below. 
XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$260.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$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 explanation
Consumer complaint received 2025-04-24 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-04-24 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unit XXXX XXXX, VA, XXXX XXXX XXXX XX/XX/XXXX P.O. Box XXXX, Washington XXXX DC XXXX. XXXX XXXX XXXX XXXX, Washington XXXX DC XXXX. 
Subject : Dispute of Credit Report Information Dear Sir!/ Madam at XXXX, I am writing to formally dispute certain information on my credit report that I believe to be inaccurate, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

* * Disputed Items : 1. * * Hard Inquiry : - * * Reason for Dispute : * * I do not recognize this inquiry and believe it may have been made without my consent.

2. * * Charged-Off Item : - * * Reason for Dispute : * * This account is inaccurately reported as charged off. I am currently experiencing financial hardship due to a recent divorce and ongoing mental health challenges, which have impacted my ability to manage my accounts.

I am invoking my rights under the FCRA ( specifically Sections 602, 604, 611, and 623 ) which protect consumers against inaccurate reporting and allow me to dispute such information. Additionally, under the FDCPA ( Section 807 ), I am entitled to fair treatment in the reporting of my financial obligations. 

I have included copies of supporting documents that outline my situation, including evidence of my financial hardship. I kindly request that you investigate these items and correct my credit report accordingly. 

Please confirm your receipt of this letter and keep me informed about the status of my dispute. Thank you for your attention to this matter. 

Sincerely, 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 2025-04-24 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unit XXXX XXXX, VA, XXXX XXXX XXXX XX/XX/XXXX P.O. Box XXXX, Washington XXXX DC XXXX. XXXX XXXX XXXX XXXX, Washington XXXX DC XXXX. 
Subject : Dispute of Credit Report Information Dear Sir!/ Madam at XXXX, I am writing to formally dispute certain information on my credit report that I believe to be inaccurate, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

* * Disputed Items : 1. * * Hard Inquiry : - * * Reason for Dispute : * * I do not recognize this inquiry and believe it may have been made without my consent.

2. * * Charged-Off Item : - * * Reason for Dispute : * * This account is inaccurately reported as charged off. I am currently experiencing financial hardship due to a recent divorce and ongoing mental health challenges, which have impacted my ability to manage my accounts.

I am invoking my rights under the FCRA ( specifically Sections 602, 604, 611, and 623 ) which protect consumers against inaccurate reporting and allow me to dispute such information. Additionally, under the FDCPA ( Section 807 ), I am entitled to fair treatment in the reporting of my financial obligations. 

I have included copies of supporting documents that outline my situation, including evidence of my financial hardship. I kindly request that you investigate these items and correct my credit report accordingly. 

Please confirm your receipt of this letter and keep me informed about the status of my dispute. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio Recovery Associates sent a certified letter to an address that I do not live at claiming they are attempting wage garnishment. I was not able to respond in a timely matter as this is not my present address, they also appeared to have illegally obtained information directly from my employer. I also have no idea what this alleged debt is from as I do not recall owing the company any money. they have repeatedly harassed me through both phone calls and mail. If a wage garnishment order is approved due to beme not being able to object in a timely matter, my life will be put at risk as I barley make enough money to pay for rent, food and transportation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am XXXX and was in the hospital someone got my card number online and ordered 4 tickets to a XXXX game and I provided a note stating I was in hospital and bank didnt get my money back.

Company response to consumer: Closed with explanation