vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion 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. The accounts are- XXXX opened XX/XX/XXXX Amount : XXXX, XXXX opened XX/XX/XXXX Amount : XXXX, -XXXX XXXX XXXX XXXXXXXX XXXX opened XX/XX/XXXX Amount : XXXX, -XXXX XXXXXXXX  opened XX/XX/XXXX Amount : XXXX, -XXXX opened XX/XX/XXXX Amount : XXXX, XXXX opened XX/XX/XXXX Amount : XXXX Ive reached out to the companies and haven't received any type of feedback back

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 2025-04-05 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: FL

Complaint narrative:
I found several fraudulent credit inquiries on my credit report : XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX  XXXX XXXX Inquiry date XX/XX/year> XXXX  Inquiry date XX/XX/year>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 2025-04-05 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with overdraft — Was signed up for overdraft on card, but don't want to be
Company: ADP Inc.
State: LA

Complaint narrative:
OK so i was with wisely card payroll company and they were charging me for something i didn ; t even know they turned on. so i was using my card and i knew something was wrong becasue my next check was only XXXX and i had worked over 40 hours there overdraft charges were XXXX each time so i say i missed out on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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:
I, XXXX XXXX, am a victim of XXXX XXXX, request removal and deletion of the listed accounts on my credit report. The fraudulent accounts are as follows : XXXX XXXX date : XXXX XXXX, XXXX of XXXX date : 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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/year> XXXX experian ( XXXX ) To whom it may concern : XXXX XXXX XXXX XXXX I received a copy of my credit report.To my surprise, you are reporting this account incorrectly.This collection account is reporting not only as OPEN, but also shows a past due balance of $ XXXXAccording to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completioin

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 2025-04-05 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:
I, XXXX XXXX, am a victim of identity theft, request removal and deletion of the listed accounts on my credit report. The fraudulent accounts are as followsXXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX date : XXXX XXXX XXXX. XXXX XXXX XXXX date : 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 2025-04-05 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: WY

Complaint narrative:
I have disputed XXXXXXXX XXXXaccount # XXXX balance XXXX with all XXXX credit bureaus and it has been deleted from XXXX and XXXX asked TransUnion to investigate and they are not doing an investigation and showing proof of investigating after I asked them how they investigated this account.please investigate this account and delete from TransUnion because it is not accurate and has multiple inaccuracies.i am providing my driver 's license and social security card and most recent bank statements for proof of address and identity

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 2025-04-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Due to freedom mortgage failing to make payments in a timely manner, my insurance was canceled causing me to need to get another policy. This has happened XXXX years in a row now. a borrower 's insurance policy ceases to be in force on XX/XX/XXXX and the servicer does not discover the absence of coverage until XX/XX/XXXX ( from what they claim, they were unable to provide documentation for when they acquired the insurance ). the XXXX policy has automatically provided coverage for the property as of XXXX XXXX. Freedom Mortgage finally issues the XXXX policy on XX/XX/XXXX, after the insurance was already placed on the account. I am now being charged from XXXX XXXX for XXXX. Freedom Mortgage did send out warning letters on XX/XX/XXXX, XX/XX/XXXX, and now XX/XX/XXXX regarding the need to cover the lapsed period. My problem is they can not provide proof that the insurance was actually in effect for the lapsed period.

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 2025-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
My PayPal account was permanently limited. I have extensively read their AUP, and am confident I did not violate them. They are holding my funds/income earned through sales of my site for XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
The last time I used my Wells Fargo credit card, it was XX/XX/year>. 

On approximately XX/XX/year> apparently someone using the website XXXX used my card XXXX times. I have never used the website XXXX in my life. 

The first fraudulent charge, I didn't notice, but when the XXXX and XXXX charges came thru I received a text asking me to confirm the charges were legitimate. I replied immediately that the charges were not legitimate and I called Wells Fargo immediately. They said they would reverse the charges, cancel my card and reissue a new card. 

I received the new card but I never got any proof in writing of the fact that my identity had been stolen, that they were investigating the fraud etc. Later in XXXX, I called again to follow up and the said the request will take XXXX days to resolve. I never received anything. I called again on XX/XX/XXXX asking for a resolution. The customer service person refused to give me any confirmation number, letter, email, nothing to confirm this problem happened. 

I just learned that they're reporting me XXXX days past due on this card because the fraudulent charges remain. Report attached below. I called again and the customer service says I have to call back Monday to speak to an executive customer service department. 

I just called again and was given this case number 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 monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: MI

Complaint narrative:
High fees Lack of protection Funds unauthorized transactions

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2025-04-05 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: NY

Complaint narrative:
Hello my name is XXXX XXXX XXXX who resides at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX and i am writing this complaint because there are a couple inaccurate unauthorized accounts on my consumer report. These accounts are keeping my score down and negative and i am hindered. I have listed the accounts below. I ask to have them investigated and removed/deleted from my credit profile. Also i ask to do not place a fraud alert or freeze on my report. The XXXX major credit reporting agencies refuse to help, Transunion, Experian, Equifax have all placed me on hold for hours and hang up the phone. This is depressing as i am trying to raise my family and use my credit to do so. But i am constantly denied for apartment housing because of these negatives. Please help! 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT # CAPIT-XXXXXXXXXXXXXX DATE OPENED : XX/XX/XXXX BALANCE : {$560.00} XXXX  ACCOUNT XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$560.00}

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 2025-04-05 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: AR

Complaint narrative:
I have sent multiple letters to XXXX, Experian, and XXXX. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a XXXX bureau table. Please assist me in getting this issue resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: AR

Complaint narrative:
I have sent multiple letters to XXXX, Experian, and XXXX. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a XXXX bureau table. Please assist me in getting this issue resolved.

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 2025-04-05 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:
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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is a follow-up to complaint XXXX. XXXX continues reporting of information past seven years of first delinquency. XXXX should be fined for this continued abuse. Payment history only goes until XX/XX/year>2018 and thus its their attempt to keep negative information on credit reports longer than seven years.

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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My grandmother added me to two of his credit cards with Citi bank. about 8 moths ago, she removed me from those accounts and we confirmed this with the bank. However, the balance of those accounts still showing on my report and disputing this information on my credit report did not solve the 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 non-monetary relief
Consumer complaint received 2025-04-05 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:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : EXPERIAN XXXX XXXX, XXXX XXXX XXXX Account information Account number XXXX Open/Closed Closed Date Opened XX/XX/XXXX XXXX XXXX Account information Account number XXXX Open/Closed Closed Date Opened XX/XX/XXXX XXXX XXXX XXXX Account information Account number XXXX Open/Closed Closed Date Opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Account information Account number XXXX Open/Closed Closed Date Opened XX/XX/XXXX XXXX XXXX Account information Account number XXXX Open/Closed Closed Date Opened XX/XX/XXXX TransUnion XXXX XXXX, XXXX & XXXX Account information Account number XXXX Open/Closed Closed Date Opened XX/XX/XXXX XXXX XXXX Account information Account number XXXX Open/Closed Closed Date Opened XX/XX/XXXX XXXX XXXX XXXX Account information Account number XXXX Open/Closed Closed Date Opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Account information Account number XXXX Open/Closed Closed Date Opened XX/XX/XXXX XXXX XXXX Account information Account number XXXX Open/Closed Closed Date Opened XX/XX/XXXX EQUIFAX **** XXXX, XXXX & XXXX Account information Account number XXXX Open/Closed Closed Date Opened XX/XX/XXXX XXXX XXXX Account information Account number XXXX Open/Closed Closed Date Opened XX/XX/XXXX XXXX XXXX XXXX  Account information Account number XXXX Open/Closed Closed Date Opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Account information Account number XXXX Open/Closed Closed Date Opened XX/XX/XXXX XXXX XXXX Account information Account number XXXX Open/Closed Closed Date Opened XX/XX/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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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