vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 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: TX

Complaint narrative:
I am filing a formal complaint against [ Credit Bureau Name ] for failing to remove the following accounts from my credit report, despite my prior request over 30 days ago : XXXX XXXX ( Account # : XXXX ) This account was paid satisfactorily and was agreed upon to be deleted after payment. 
XXXX XXXX  ( Account # : XXXX ) This account was paid satisfactorily and has exceeded the 7-year reporting limit.

I have received correspondence from your organization stating that my dispute request will not be honored because you believe it was sent by a third party, such as a credit repair company. I can assure you that I, XXXX XXXX, personally submitted this request, along with proper proof of identification. 

I would like an explanation as to why I received a stall letter instead of having my disputes properly investigated and corrected. I have provided detailed dispute reasons supported by factual information from my credit report with your bureau. 

If you continue to assert that these accounts are accurate, I demand that you provide all documentation used in your investigation, as required by law. Additionally, I have attached : The original dispute letter I sent directly to your company, date- and time-stamped. 
The response from the creditors confirming removal of these accounts. 
Please address this matter promptly and in full compliance with the Fair Credit Reporting Act ( FCRA ). Failure to do so will leave me no choice but to escalate this complaint further.

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 2025-02-17 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:
You checking my Experian report I keep seeing XXXX  accounts on my Experian credit report that belong to someone With with a similar name I have submitted multiple identity and police reports ALL XXXX  ACCOUNTS

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 2025-02-17 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: MS

Complaint narrative:
I want reported account to be removed XXXX  XXXX XXXX and XXXX XXXX XXXX and

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete this alleged late payment from my credit report per 15 USC 1666B ( a creditor may not treat a payment on a credit card as an open ended consumer credit.

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 2025-02-17 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: CA

Complaint narrative:
There are fraudulent items on my credit report that resulted from the unauthorized use of my personal information. I have never had any association with these transactions, nor have I benefited from them in any way. Taking this matter seriously, I promptly filed a report with the Federal Trade Commission and followed all necessary steps to resolve the issue. However, despite my efforts, these fraudulent items remain on my credit report. This situation has been incredibly frustrating, as I am unfairly suffering the consequences of someone elses misuse of my information. The continued presence of these unauthorized accounts is damaging my financial standing and preventing me from moving forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit 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 2025-02-17 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: LEXISNEXIS
State: NJ

Complaint narrative:
There is a U.S. Bankruptcy Court item on my Transunion credit report. Per the FCRA 623 ( A ) ( 5 ). If the Credit Bureau can not validate the information with the original creditor, they must remove said information from the consumer credit file. The U.S. Bankruptcy Courts have mailed me a letter which emphatically stated that they do not provide any information to credit reporting agencies nor do they ever validate and/or confirm public records. It is the credit reporting agencies and/or other third party providers who collect information regarding public cases from public records. Public records information is Never validated by U.S. Court System due to the Fair Credit Reporting Agency Privacy law. My inquiry to the U.S. Bankruptcy Courts confirmed XXXX has Never validated or verified the public record entity on my credit report neither will they ever be by them. They further stated while they are not liable responsible for any misuse or incorrect public records nor the distribution of said information public records may and often times are reported by third party sources unaware to the consumer and in most cases, incorrectly considering the information indicating a fair credit reporting violation. I need all bankruptcy information currently showing under my social security number to be Permanently Deleted from my credit report immediately. The XXXX Credit Agency needs to provide me with copies of all documentation associated with this public record account bearing either a court order to place this information on my credit report or my authorization of release bearing my signature. In the meantime to be in full compliance with the FCRA laws and guidelines all the information listed under public records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the federal law you have exactly 30 days to complete this investigation as outlined per the fair credit reporting act 623 ( A ) ( 3 ). Per the FCRA section 609 ( A ) ( 1 ) ( A ) you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgments all accounts and public information that you post on anyones credit report. Otherwise anyone paying for your reporting services could fax, email, or mail fraudulent and erroneous account information. As such if this unauthorized public record information is not deleted from my credit report with 30 days I will be filing a complaint with the federal trade commission. Failure to respond in a satisfactory manner within 30 days of receipt of this letter will be interrupted as defamination, negligent, enchantment of identity fraud violation of the FCRA. 15 USC 1681b, 15 USC 1681q, 18 USC 1028A, 15 USC 1681c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was charged for over draft fees and recurring fees with my checking account i dont have the exact dates but it was about 4 years ago

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 2025-02-17 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XX/XX/year> Subject : Dispute of Civil Liability for Negligence and Noncompliance ( FCRA - Section 1681O ) Dear consumer Financial protection bureau I am writing to formally dispute the claim of civil liability under Section 1681O of the Fair Credit Reporting Act ( FCRA ) for alleged negligence and noncompliance that has been attributed to me. I believe that the assertions regarding my conduct are inaccurate and unwarranted. I respectfully request that this matter be reviewed thoroughly and that any erroneous claims be corrected.

To provide context, Section 1681O of the FCRA imposes civil liability for violations related to negligence or noncompliance with the credit reporting regulations. I have thoroughly reviewed the circumstances surrounding this situation and have found no evidence supporting that I acted negligently or in noncompliance with the regulations in question. 


I am requesting that you carefully investigate the matter and provide clarification regarding the allegations. If this dispute concerns any error in my credit report or a similar matter under your jurisdiction, I also request that you provide me with any pertinent documentation and confirm that any necessary corrections will be made to resolve the issue promptly. 

Please confirm in writing that you have received this dispute and are taking appropriate action. In the event that this dispute is not resolved in my favor, I would appreciate being informed of the specific reasons and any further recourse available to me under the law. 

Thank you for your prompt attention to this matter. I look forward to your timely response and resolution of this dispute. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: MI

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Urgent Request for Account Deletion Due to Identity Theft Dear, Equifax I am writing to formally dispute the unauthorized accounts listed on my credit report. I recently discovered that my personal information was compromised in the Experian data breach, and fraudulent accounts have been opened in my name without my consent. 

The following accounts were not opened by me and should be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enclosed, you will find documentation supporting my claim, including confirmation from the Equifax Breach Settlement website indicating that my personal information was compromised. Under the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation into these accounts and their removal from my credit file. 

Please provide written confirmation of the deletion of these fraudulent accounts at your earliest convenience. Additionally, I request a copy of my updated credit report reflecting these changes. 

I appreciate your prompt attention to 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 2025-02-17 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: MI

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Urgent Request for Account Deletion Due to Identity Theft Dear, Equifax I am writing to formally dispute the unauthorized accounts listed on my credit report. I recently discovered that my personal information was compromised in the Experian data breach, and fraudulent accounts have been opened in my name without my consent. 

The following accounts were not opened by me and should be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enclosed, you will find documentation supporting my claim, including confirmation from the Equifax Breach Settlement website indicating that my personal information was compromised. Under the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation into these accounts and their removal from my credit file. 

Please provide written confirmation of the deletion of these fraudulent accounts at your earliest convenience. Additionally, I request a copy of my updated credit report reflecting these changes. 

I appreciate your prompt attention to 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 2025-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I have XXXX business credit card services with Chase bank. The XXXX is Chase Bank improperly reporting late payments to my personal credit line dropping my credit score severely. This is suppose to go on my Business Credit line not personal and is a form of abuse which is a clear violation of my FCRA Rights. 


Businesses are XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 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 non-monetary relief
Consumer complaint received 2025-02-17 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: NJ

Complaint narrative:
I have a account/ student loan on my credit report for the amount of XXXX from a school XXXX XXXX XXXX XXXX 2021 and the school closed down and I never received and certification or degree from the school and I am trying to get this debt removed from my credit report. 

The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX I am asking can this debt please be removed

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 2025-02-17 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 have a account/ student loan on my credit report for the amount of XXXX from a school XXXX XXXX XXXX XXXX 2021 and the school closed down and I never received and certification or degree from the school and I am trying to get this debt removed from my credit report. 

The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX I am asking can this debt please be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: NJ

Complaint narrative:
I have a account/ student loan on my credit report for the amount of XXXX from a school XXXX XXXX XXXX XXXX 2021 and the school closed down and I never received and certification or degree from the school and I am trying to get this debt removed from my credit report. 

The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX I am asking can this debt please be removed

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 2025-02-17 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: NC

Complaint narrative:
I formally dispute the accuracy of my student loan information due to recent XXXX and FCRA violations, including unauthorized access to my records. 

Specifically, I allege violations of XXXX Unauthorized disclosure of my educational records to XXXX on XX/XX/XXXX., FCRA XXXX XXXX XXXX My credit report was accessed by XXXX XXXX XXXX without a permissible purpose, I did not authorize this access for credit, employment, or any other permissible purpose., and FCRA XXXX XXXX XXXX My credit report, containing my student loan information, was accessed by XXXX on XX/XX/XXXX for personal gain which is not a permissible purpose under the FCRA XXXX I did not provide consent for this access.. 

I also invoke my rights under FCRA XXXX XXXX XXXX, demanding a reasonable reinvestigation within 30 days of the following disputed items : XXXX XXXX XXXX OF XXXX account XXXX XXXX These inaccuracies violate XXXX and consumer protection laws. I demand immediate correction or deletion of all incorrect information. Please provide a written response within 30 days detailing your investigation and corrective actions.

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 2025-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
XX/XX/XXXX We dropped off a check to one of our suppliers. 
The supplier mailed the check to their headquarters. 
XX/XX/XXXX We reconciled and everything looked correct because the amount and check number matched our records. 
XX/XX/XXXX Our supplier sent us a notice saying our account was overdue. 
XX/XX/XXXX We did some research and noticed someone forged a check. It had the same date, check number and amount, but the check was not our check and the name was a person who we do not know. 
XX/XX/XXXX we received a notice in the mail saying that they were not assisting in the claim because they only assist in claims that happen with 30 days. 

This doesn't make any sense to us because they cleared a check that they should not have and it is 100 % a mistake they made, but they are unwilling to help.

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