vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 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: GA

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: PA

Complaint narrative:
I did not authorize this inquiry. I did not communicate with this lender on the specified date.

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 2025-02-27 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: CA

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: MI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: CA

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.

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 2025-02-27 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:
Upon reviewing my Experian credit report, I found multiple fraudulent accounts and unauthorized inquiries that have severely impacted my credit profile. 

The fraudulent accounts appearing in my Experian report include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are fraudulent, and I had no involvement in opening or applying for them.

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 2025-02-27 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: NY

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 2025-02-27 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: HI

Complaint narrative:
After reviewing my credit report, I was alarmed to find accounts listed that I do not recognize. I never opened these accounts, nor have I ever had any dealings with them. Yet, they are being reported under my name, which is a serious error. This false reporting is creating an inaccurate reflection of my financial history, and I need this to be corrected as soon as possible.

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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO.
State: OH

Complaint narrative:
I am writing to formally file a complaint regarding my lease account with Ford Credit. In XX/XX/year>, I leased a vehicle that began experiencing mechanical issues due to a manufacturer defect. By XX/XX/year>, the defect had worsened to the point that I could no longer use the vehicle properly. As a result, I returned the car and submitted a written cancellation letter explaining that the defect had rendered the lease void. 



Despite this, Ford Credit has continued to keep my account open, sent the vehicle to auction, and reported the lease as active on my credit report. This is unfair and has caused financial harm by negatively impacting my credit standing. I made every effort to resolve this matter properly by returning the vehicle and providing formal notice, yet Ford Credit has not corrected the issue. 



I am requesting the following : XXXX. Immediate correction of my account status to reflect the lease termination. 

XXXX. Removal of any negative reporting related to this account from all credit bureaus. 

XXXX. Confirmation in writing that my account has been properly closed with no remaining balance. 

XXXX. Compensation for any financial harm or inconvenience caused by this situation. 



Please address this matter as soon as possible. If I do not receive a resolution within [ reasonable timeframe, e.g., XXXX days ], I may need to escalate my complaint to the appropriate consumer protection agencies. 



I appreciate your prompt attention to this matter and look forward to your response. You can reach me at [ your phone number ] or [ your email ] if you need any further information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: HI

Complaint narrative:
After reviewing my credit report, I was alarmed to find accounts listed that I do not recognize. I never opened these accounts, nor have I ever had any dealings with them. Yet, they are being reported under my name, which is a serious error. This false reporting is creating an inaccurate reflection of my financial history, and I need this to be corrected as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: LA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-02-27 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: HI

Complaint narrative:
Im beyond frustrated with the inaccuracies on my report. Theyre unfairly damaging my scores and limiting my chances at better opportunities. Its unacceptable to be judged based on incorrect information that I have no control over.

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 2025-02-27 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: CA

Complaint narrative:
I am XXXX XXXX inquiries fraudulent from my Transunion Credit Report. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark these inquiries fraudulent and remove from 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 non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
XX/XX/XXXX We issued a check to our supplier, XXXX XXXX for {$130000.00}. It was mailed to their main office in XXXX XXXX. It was apparently stolen from the mail without our knowledge. 
XX/XX/XXXX The check cleared our account at Wells Fargo. 
XX/XX/XXXX Wells Fargo fraud department contacted us and said there was a problem with the check. It had cleared our account, but our supplier had not received the funds and was showing us past due. 
XX/XX/XXXX I immediately went to a Wells Fargo branch, in person, and filed a fraud claim. XXXX XXXX had processed the check in XXXX endorsed with a fake name and account number on the back. The check cleared our account before anyone knew what happened. 
XX/XX/XXXX to present XX/XX/XXXX Hundreds of hours of meetings, calls, emails, excuses, delays, and extending timelines have gotten us nowhere. I have found out today that XXXX XXXX  refuses to return the stolen funds and claims the transaction was legitimate and not fraud. Wells Fargo is saying they have to close the case now and can not do anything else. We have been a customer/vendor of Well Fargo 's for around XXXX years, and they do not care XXXX bit. Wells Fargo claims it's up to me to take legal action. We are a small family business and this much money can break our company of XXXX years. Our supplier is threatening to cut us off, which will put us out of business. I have reached out to numerous agencies, police, postal service, insurance, every place and department I can think of, and no one will 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
Consumer complaint received 2025-02-27 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Final Demand for Deletion of Fraudulent Accounts Violation of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally demand the deletion of the following accounts from my credit file due to identity theft and your failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 6 ) and 1681i ( a ) ( 7 ), regarding my right to receive a description of the investigation and the method of verification : TransUnion : XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX Equifax : XXXX Account Number : XXXX Experian : XXXX Account Number : XXXX I previously submitted disputes regarding these fraudulent accounts and provided you with a valid police report as evidence of identity theft. Under 15 U.S.C. 1681c-2 ( a ), you are required to block the reporting of this information upon receipt of such documentation. Your failure to do so is a direct violation of my rights under the FCRA.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), you are required to provide me with a description of the procedure used to determine the accuracy of the disputed information, including the date, time, and contact details of the entity you allegedly verified this information with. To date, you have failed to provide this legally required information, rendering your verification process invalid. 

This letter serves as my final notice to demand that you immediately delete the above-referenced accounts from my credit reports. If you fail to comply within five ( 5 ) days of receipt of this letter, I will be left with no choice but to pursue legal action against you for willful noncompliance with the FCRA ( 15 U.S.C. 1681n ) and negligent noncompliance ( 15 U.S.C. 1681o ). I will seek statutory damages, actual damages, punitive damages, and attorneys fees.

This is your final opportunity to correct this matter before I escalate my complaint and initiate legal proceedings. 

Please provide written confirmation of the deletion of these accounts upon completion of my request. Failure to respond accordingly will be taken as further evidence of your noncompliance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Final Demand for Deletion of Fraudulent Accounts Violation of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally demand the deletion of the following accounts from my credit file due to identity theft and your failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 6 ) and 1681i ( a ) ( 7 ), regarding my right to receive a description of the investigation and the method of verification : TransUnion : XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX Equifax : XXXX Account Number : XXXX Experian : XXXX Account Number : XXXX I previously submitted disputes regarding these fraudulent accounts and provided you with a valid police report as evidence of identity theft. Under 15 U.S.C. 1681c-2 ( a ), you are required to block the reporting of this information upon receipt of such documentation. Your failure to do so is a direct violation of my rights under the FCRA.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), you are required to provide me with a description of the procedure used to determine the accuracy of the disputed information, including the date, time, and contact details of the entity you allegedly verified this information with. To date, you have failed to provide this legally required information, rendering your verification process invalid. 

This letter serves as my final notice to demand that you immediately delete the above-referenced accounts from my credit reports. If you fail to comply within five ( 5 ) days of receipt of this letter, I will be left with no choice but to pursue legal action against you for willful noncompliance with the FCRA ( 15 U.S.C. 1681n ) and negligent noncompliance ( 15 U.S.C. 1681o ). I will seek statutory damages, actual damages, punitive damages, and attorneys fees.

This is your final opportunity to correct this matter before I escalate my complaint and initiate legal proceedings. 

Please provide written confirmation of the deletion of these accounts upon completion of my request. Failure to respond accordingly will be taken as further evidence of your noncompliance. 

Sincerely, 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 2025-02-27 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Final Demand for Deletion of Fraudulent Accounts Violation of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally demand the deletion of the following accounts from my credit file due to identity theft and your failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 6 ) and 1681i ( a ) ( 7 ), regarding my right to receive a description of the investigation and the method of verification : TransUnion : XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX Equifax : XXXX Account Number : XXXX Experian : XXXX Account Number : XXXX I previously submitted disputes regarding these fraudulent accounts and provided you with a valid police report as evidence of identity theft. Under 15 U.S.C. 1681c-2 ( a ), you are required to block the reporting of this information upon receipt of such documentation. Your failure to do so is a direct violation of my rights under the FCRA.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), you are required to provide me with a description of the procedure used to determine the accuracy of the disputed information, including the date, time, and contact details of the entity you allegedly verified this information with. To date, you have failed to provide this legally required information, rendering your verification process invalid. 

This letter serves as my final notice to demand that you immediately delete the above-referenced accounts from my credit reports. If you fail to comply within five ( 5 ) days of receipt of this letter, I will be left with no choice but to pursue legal action against you for willful noncompliance with the FCRA ( 15 U.S.C. 1681n ) and negligent noncompliance ( 15 U.S.C. 1681o ). I will seek statutory damages, actual damages, punitive damages, and attorneys fees. 

This is your final opportunity to correct this matter before I escalate my complaint and initiate legal proceedings. 

Please provide written confirmation of the deletion of these accounts upon completion of my request. Failure to respond accordingly will be taken as further evidence of your noncompliance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation