vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 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: GA

Complaint narrative:
I request the immediate removal of unauthorized accounts from my credit report. These accounts were not opened or authorized by me, and I am unaware of their source. Under USC 1681g, I formally ask that they be deleted within 15 days. Please find enclosed documents for reference. Moreover, the reported account details vary across different credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I am writing to urgently address a concerning issue regarding an account with American Express that has been mistakenly linked to my name. As mentioned previously, I wish to reiterate that I have never initiated nor held an account with American Express. However, despite my repeated efforts to rectify this error, I have encountered significant challenges in obtaining a resolution from your esteemed institution. 

Over the course of the past 8 months, I have diligently provided American Express with multiple letters of proof, detailing my innocence in relation to the purported account in question. Furthermore, I have painstakingly submitted a comprehensive array of documentation, including correspondence from reputable credit bureaus confirming the compromise of my personal information and subsequent advice to freeze my credit accounts. 

Regrettably, American Express has consistently dismissed and rejected each of my submissions, choosing to overlook the clear evidence of fraudulent activity associated with the account bearing my name. It is deeply disconcerting that despite my persistent and detailed communications, the authenticity of my claims continues to be disregarded. 

I must emphasize that the absence of any identifiable information provided during the alleged account opening process casts serious doubts on the validity of the transactions in question. Given that these transactions were reportedly conducted online, and without any supporting evidence or verification protocols, it is imperative that American Express conducts a thorough investigation to ascertain the true identity of the individual behind this grievous error. 

I urge American Express to diligently assess the circumstances surrounding all of these erroneous account and to provide me with irrefutable evidence linking me to the purported activities. It is incumbent upon your institution to relieve me of any unwarranted financial obligations and to expeditiously clear my name from all debts and credit cards erroneously associated with this account. 

I trust that American Express will undertake a swift and judicious review of this matter and will promptly provide me with a definitive resolution. I look forward to your prompt and decisive action in rectifying this distressing situation. 

Yours sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: NY

Complaint narrative:
In 2018 I lost my phone and someone took out a loan with XXXX XXXX  in my name using my information, they signed signature as if it was me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: NC

Complaint narrative:
Equifax and Transunion consistently report the incorrect percentage of credit card usage. My credit card usage is not at 20 % usage which is being reported by Equifax. Equifax also dropped my score due to the incorrect information. I already have a dispute with both companies for doing this to me last month ( XXXX ) as well. I also have pics of my credit usage and them reporting the wrong information. The pics are both from XX/XX/year>. Photos are for Equifax only

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
According to the FCRA section 609B and 607B. Inaccurate information is being reported on credit report. Charge off and collections. 1099c was not provided as well.

According to FCRA section 605b items are being reported by a different name.

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: KS

Complaint narrative:
According to the FCRA section 609B and 607B. Inaccurate information is being reported on credit report. Charge off and collections. 1099c was not provided as well.

According to FCRA section 605b items are being reported by a different name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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:
Dear CFPB, I am submitting this formal complaint against Experian regarding their failure to properly investigate and correct inaccurate information on my credit report. Despite my efforts to dispute errors, Experian has continued to report incorrect details about my payment history and other account-related information.

Experian has violated its obligations under the Fair Credit Reporting Act ( FCRA ) by merely parroting information provided by furnishers instead of conducting a proper independent investigation. A recent lawsuit highlighted that Experians failure to verify the accuracy of the reported data is a systemic issue, demonstrating a lack of compliance with the FCRAs requirement to ensure the information they report is accurate and properly investigated upon dispute. 

Specifically, I have disputed inaccurate payment history and other incorrect details on my account with XXXX XXXX, Account Number : [ Account Number from Images ]. The attached documents provide clear evidence of incorrect payment reporting, including : Erroneous late payments that do not align with my actual payment history. 

Inconsistent or incomplete data that Experian failed to verify. 

Failure to accurately reflect updates or corrections that should have been made after my dispute. 

If Experian had conducted a proper investigation, they would have identified these inaccuracies and corrected them. Instead, their failure to fulfill their obligations has caused financial harm and unnecessary stress, negatively impacting my creditworthiness and financial opportunities. 

I am requesting that the CFPB take immediate action to : Require Experian to conduct a thorough and independent investigation of my dispute. 

Ensure that Experian complies with the FCRA and ceases its practice of merely parroting furnishers ' information. 

Correct the inaccurate information on my credit report, specifically the errors related to Account Number [ Account Number from Images ] with XXXX XXXX 

Impose penalties or corrective measures to prevent further violations. 

I have attached supporting documents, including screenshots and evidence of the disputed inaccuracies, for your review. I appreciate your time and assistance in addressing this matter, and I look forward to your prompt resolution of my complaint. 

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 2025-03-19 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: MS

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax 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 a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$12000.00}, XXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$3900.00}, US Debt of Ed/XXXX Account # XXXX XXXX date opened XX/XX/XXXX XXXX {$3600.00}, US Debt of Ed/XXXX Account # : **** date opened XX/XX/XXXX XXXX {$2600.00} , US Debt of Ed/XXXX  Account # : **** date opened XX/XX/XXXX bal./ {$2000.00}, US Debt of EdXXXX Account # XXXX XXXX  date opened XX/XX/XXXX bal. {$610.00}, US Debt of EdXXXX Account # : XXXX XXXX XXXX XX/XX/XXXX XXXX {$470.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$970.00}, XXXXXXXX XXXX  XXXX Account # XXXX date opened XX/XX/XXXX bal. {$860.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$840.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$630.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$560.00} XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, Onemain Account # XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections 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 items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing a complaint about Chase Bank, with which I have a checking account linked to a debit card, a savings account, and a CD. I can not use my debit card to purchase anything. The checking account has been restricted. I asked for a reason as to why, but none of the telephone bankers would provide me with a straight answer. I was told to enter a branch to verify my identity. I have always verified my purchases via email or text. But on XX/XX/XXXX, I began to have problems using my card. I called customer service, and the bankers reviewed the charges, and I verbally verified that I authorized them. I was told to try placing orders later, because " the internet can be slow sometimes. '' I tried again later but was still unsuccessful. I was also told to enter my personal information exactly as it appears in my bank account when ordering. I tried this many times, but I was still unsuccessful. I suspect that these are not the real reasons why I can not use my card and that the bankers do not want to tell me the real reason. When I place an order with a business, my order would be cancelled, no matter what I was trying to buy or what the price was. In one order, I received an error message stating that the bank told the business " Do not honor card. '' I told one of the bankers that I saw this message, but I was offered no explanation. 
This latest problem is not the first. I had the same problem in XXXX. I was told to go to a branch to verify my identity. I did that and was able to use my checking account and debit card again, but now this is happening again. 
These problems have been occurring since XXXX or earlier. Business after business after business would cancel my orders, saying things like there's something wrong with my card, without being specific, or that my card has a risk of fraud. I called Chase and said that these businesses told me these things, but was always told that there was nothing wrong with my card, which I think is a lie. The bankers would remove the restrictions on my card on the phone, and I could use the card again, but not anymore. 
I attached screenshots of what happens when I place online orders. I also have restrictions on what I can do with my accounts online, and I attached screenshots. I can not edit my phone number, close my card, replace it, report it stolen, or even email customer support, which I could do before this latest restriction. I also do not like to be required to use two-factor authentication to sign into my online accounts. 
I do not like Chase 's practices and policies, which cause me these problems. It is troubling that using my own money can be so difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In my recent credit report from Experian Information Solutions Inc., I discovered that a bankruptcy record, along with several associated accounts, was inaccurately included. This information is either outdated, unverifiable, or otherwise improperly reported, resulting in severe damage to my credit profile and financial reputation.

I formally disputed this bankruptcy record with Experian Information Solutions Inc., requesting that they provide verifiable documentation from the original source or the court where the bankruptcy was filed. Despite my dispute, [ Credit Bureau Name ] failed to verify this information thoroughly or provide any valid documentation to support its inclusion. The agency also failed to conduct a manual review of the record, relying instead on automated systems, which do not meet the verification standards mandated under the Fair Credit Reporting Act ( FCRA ).

Additionally, the inclusion of this bankruptcy record without my explicit consent violates my privacy rights under 15 U.S.C. 1681a ( d ). It also does not meet the permissible purposes requirement under 15 U.S.C. 1681b ( a ) ( 2 ). As a result, my access to credit has been unfairly restricted, and my financial standing has been compromised due to this erroneous reporting.

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 2025-03-19 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: FL

Complaint narrative:
TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where TransUnion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as TransUnions inaction violates federal law and my rights as a consumer.

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 2025-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My Wells Fargo account was closed just three days after I filed a fraud claim. When I inquired about the closure, I received an email from the bank stating that they perform ongoing reviews of account relationships to manage risks. According to the email, following a recent review, they had decided to end my account relationship due to a " pattern of security risks. '' The email further mentioned that the accounts were expected to close by XX/XX/scrub>, 2025, but could close earlier if circumstances warranted it. This response left me with more questions than answers, as it did not provide specifics about the nature of the security risks or how they were connected to my fraud claim.

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 2025-03-19 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: PA

Complaint narrative:
This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX Account NumberXXXX Date opened XXXX XXXX for the amount of {$6500.00}

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 non-monetary relief
Consumer complaint received 2025-03-19 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: PA

Complaint narrative:
This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX Account NumberXXXX Date opened XXXX XXXX for the amount of {$6500.00}

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 2025-03-19 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: MS

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.

Follow me to learn how to

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: HireRight Solutions, Inc.
State: SC

Complaint narrative:
To Whom It XXXX Concern, I am submitting this complaint against HireRight, a background reporting agency, for practices that have caused me significant financial harm by delaying my employment background check without clear reason or resolution. 

Details of the Issue : HireRight began my background check with an expected completion date of XX/XX/year>. 
The ETA shifted to XX/XX/XXXX, then XXXX XXXX  Tuesdayswith vague explanations tied to the XXXX XXXX, Missouri XXXX, a place Ive never lived, worked, or visited. They cite confusion over a similar name, but weeks of delay seem unreasonable. 
The XXXX XXXX XXXX from the state of Missouri called HireRight to provide information, but HireRight refused to speak directly, requiring all communication through an unnamed vendorno case number or specifics, just wait until the XXXX. 
I contacted the court myself ; they confirmed HireRight hasnt requested info about anyone with my name and are ready to assist immediatelyno delay on their end. 

Financial Impact : I relocated from XXXX to XXXX and left my job, expecting to start my new role on XX/XX/XXXX. HireRights ongoing delays have left me without income, facing mounting costs and uncertainty. Their refusal to engage direcctly with the court clerk, despite its readiness, prolongs this harm unnecessarily. 

Requested Action : I request the CFPB investigate HireRight for : 1. Inaccurate or incomplete reporting processes that fail to resolve simple discrepancies.

2. Lack of transparencyunexplained vendor reliance and refusal to use available court data.

3. Financial harm to consumers due to preventable delays.

I seek your help to address this and protect others from similar financial damage. Thank you for your attention.

Company response to consumer: Closed with explanation