vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Ive filed complaint after complaint after complaint with Wells Fargo, Oregon Governors office, FTC, Oregon Attorney General, CFPB, XXXX, OR Div of Financial Regulation, Office of the Comptroller of Currency, SEC and still Wells Fargo will not transfer my assets out to the company I have hired to manage them. IT HAS BEEN 7 MONTHS! I filed a complaint with you and the response was INCREDIBLY UNACCEPTABLE! I am asking for help not asking WF to respond. They send letters stating " We are aware of your concerns and we take them seriously and are working on it ''. Ive heard this same response 10 times now. NOTHING IS HAPPENING!!!! 

XXXX XXXX XXXX XXXX XXXX promised me he would call me daily with an update. HE has called only once in the last week. I have to call any WF number I can to get connected. Then and only then does he give me an update. 

WELLS FARGO IS HOLDING MY ASSETS HOSTAGE!

I need help getting funds and assets OUT OF Wells Fargo! If you can't help- WHO CAN?????????

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 2025-03-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : 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. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-03-21 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : 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. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-03-21 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: VA

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

Company 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 2025-03-21 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: NV

Complaint narrative:
Experian 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 Experian, 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 Experian 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 Experian 's 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 explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: FL

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 non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TekCollect Inc.
State: SC

Complaint narrative:
I am disputing a collection account placed on my credit report by TekCollect, associated with XXXX XXXX XXXX. In XX/XX/XXXX, I contacted XXXX XXXX XXXX to cancel my treatment plan and returned the aligners. A representative from the company confirmed that my contract would be canceled based on the condition of the aligners and my dental concerns, which were acknowledged during a virtual consultation. 

Despite this confirmation and the return of the product, the account was reported to collections without proper notice, documentation, or validation of the alleged debt. TekCollect proceeded to report the debt without providing any supporting documentation from the original creditor or giving me an opportunity to verify the debt beforehand.

I also submitted a formal debt validation request to TekCollect, but they refused to acknowledge the responsibilities XXXX XXXX XXXX had under the agreement. Additionally, the contract they claim to have on file is not valid due to the circumstances surrounding this matter, including XXXX XXXX XXXX failure to fulfill their obligations and their eventual closure. 

The contract itself was breached by XXXX XXXX XXXX, as they failed to deliver the agreed services, including access to dental support. Additionally, XXXX XXXX XXXX ceased operations in late XXXX, abandoning customers mid-treatment and leaving contractual obligations unfulfilled. 

It is important to note that the aligners were returned, and I no longer have access to them. If there is a claim that I still owe for the product, I now have no opportunity to have the aligners sent back to me. This creates an unfair situation where I am being held responsible for a product that I do not have, can not retrieve, and was already returned in good faith. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I believe this account is being reported unfairly and inaccurately. I am requesting the removal of this collection account from my credit report and a full investigation into the validity of the debt, especially in light of the closure and bankruptcy of XXXX XXXX XXXX. 

Attached are supporting documents including : The original contract and payment terms A cancellation request sent to XXXX XXXX XXXX A formal dispute letter to the credit reporting agency A debt validation request sent to the collection agency I respectfully ask that this matter be resolved by removing the invalid collection item from my credit report and ceasing all collection activities associated with this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Subject : Concerns Regarding Potential Violations of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am writing to bring to your attention several concerns regarding a list of financial institutions, regulatory agencies, and consumer protection resources that may be non-compliant with various consumer protection laws. The information I have encountered appears to violate the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act, the Truth in Lending Act ( TILA ), and possibly other regulations.

Specific Concerns : 1. Inaccurate or Outdated Information : The list includes institutions and agencies that may no longer be operational or that have outdated contact information.

This could mislead consumers seeking assistance and violate the FCRA, which requires accurate reporting of consumer information.

2. Lack of Clarity and Context : The structure of the information is confusing and lacks context. Consumers may struggle to navigate the list effectively, which could be seen as a failure to provide clear and understandable information as mandated by the Consumer Financial Protection Act.

3. Omission of Relevant Entities : Important financial institutions or regulatory bodies may be missing from the list, which could mislead consumers about their options for recourse or assistance.

4. Failure to Inform Consumers of Their Rights : The list does not appear to inform consumers of their rights under the FCRA and TILA, including the right to dispute inaccuracies in their credit reports. This omission could violate the requirements set forth in these laws.

Accessibility Issues : If the information is not available in accessible formats for individuals with disabilities, it may violate the Americans with Disabilities Act ( ADA ).

Privacy Violations : If any sensitive information about individuals or organizations is included without consent, this could violate privacy laws.

Relevant Laws Potentially Violated : Fair Credit Reporting Act ( FCRA ) : Mandates accuracy in credit reporting and the right of consumers to dispute inaccuracies.

Consumer Financial Protection Act : Requires clear communication of consumer rights and protections.

Truth in Lending Act ( TILA ) : Requires clear disclosure of credit terms and consumer rights.

Americans with Disabilities Act ( ADA ) : Ensures accessibility of information for individuals with disabilities.

Federal Trade Commission ( FTC ) Regulations : Protects against deceptive practices and mandates clear communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: LA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Subject : Concerns Regarding Potential Violations of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am writing to bring to your attention several concerns regarding a list of financial institutions, regulatory agencies, and consumer protection resources that may be non-compliant with various consumer protection laws. The information I have encountered appears to violate the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act, the Truth in Lending Act ( TILA ), and possibly other regulations.

Specific Concerns : 1. Inaccurate or Outdated Information : The list includes institutions and agencies that may no longer be operational or that have outdated contact information.

This could mislead consumers seeking assistance and violate the FCRA, which requires accurate reporting of consumer information.

2. Lack of Clarity and Context : The structure of the information is confusing and lacks context. Consumers may struggle to navigate the list effectively, which could be seen as a failure to provide clear and understandable information as mandated by the Consumer Financial Protection Act.

3. Omission of Relevant Entities : Important financial institutions or regulatory bodies may be missing from the list, which could mislead consumers about their options for recourse or assistance.

4. Failure to Inform Consumers of Their Rights : The list does not appear to inform consumers of their rights under the FCRA and TILA, including the right to dispute inaccuracies in their credit reports. This omission could violate the requirements set forth in these laws.

Accessibility Issues : If the information is not available in accessible formats for individuals with disabilities, it may violate the Americans with Disabilities Act ( ADA ).

Privacy Violations : If any sensitive information about individuals or organizations is included without consent, this could violate privacy laws.

Relevant Laws Potentially Violated : Fair Credit Reporting Act ( FCRA ) : Mandates accuracy in credit reporting and the right of consumers to dispute inaccuracies.

Consumer Financial Protection Act : Requires clear communication of consumer rights and protections.

Truth in Lending Act ( TILA ) : Requires clear disclosure of credit terms and consumer rights.

Americans with Disabilities Act ( ADA ) : Ensures accessibility of information for individuals with disabilities.

Federal Trade Commission ( FTC ) Regulations : Protects against deceptive practices and mandates clear communication.

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 2025-03-21 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-03-21 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: VA

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

Company 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 2025-03-21 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: NC

Complaint narrative:
Request for Certification of Accuracy of Information Violations of Late Payments : 15 USC 1681 a ( XXXX  ) ; 15 USC 1681, Permissible Purpose : 15 USC 1681b, Responsibilities of Furnishers : 15 USC 1681 ( s ) -2, Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ), Verification : 15 USC 1681i ( 7 ).

Pursuant to 15 U.S.C. 1692c ( c ), I need proof of authorization, verification that this constitutes legitimate credit transaction and valid photo identification linking me to this alleged debts. 
Fraud Accounts : XXXX XXXX : Balance : {$2600.00} : It is XXXX  when Fraud Begun. 
XXXX XXXX XXXX : Balance : {$51000.00} : Fraud Begun : XX/XX/XXXXXXXX XXXX XXXX XXXX : Balance : {$730.00} : Fraud Begun : XX/XX/XXXX XXXX XXXX XXXX : Balance : {$230.00} : Fraud Begun : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Resources : Balance : {$230.00} : Fraud Begun : XX/XX/XXXX Unauthorized Hard Inquiries are : XXXXXXXX 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 XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-2 ( a ) ), you are legally required to block and delete fraudulent information upon receipt of a valid identity theft report, which I have provided on multiple occasions. Your failure to take corrective action violates federal protections outlined in the Identity Theft and Assumption Deterrence Act, as well as state consumer protection laws

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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:
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 neg
ligent 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