vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 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: FactorTrust, Inc.
State: NH

Complaint narrative:
I submitted a fraud block request under FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ) on XX/XX/XXXX, with Complaint # XXXX which requires the removal of identified fraudulent items from my credit report within four days ; however, Factor Trust has failed to comply within the required timeframe. It has now been over thirty days, and the following fraudulent accounts, addresses, emails, and phone numbers remain on my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and phone number ( ( ) XXXX ). Factor Trusts failure to comply with FCRA 605B is a direct violation of my consumer rights, and I am formally requesting the immediate deletion and blocking of these items as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
There are XXXX credit card accounts showing in my credit report. I do not recognize those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: TX

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

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 2025-02-28 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:
I have not supplied proof under the doctrine of XXXX XXXX XXXX, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: EQUIFAX, INC.
State: FL

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. 

Hard inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As well as all corresponding late payments with above reference to counts. 
Have violated my rights. 
I looked at my Equifax credit report on XX/XX/2025 and noticed there are some things that are incomplete and are not accurate and according to the Fair credit reporting act whatever consumer reporting agency prepares a consumer report it shall follow a reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681i 5 they are supposed to treatment of inaccurate or unverified more information ( A ) in general if after any reinvestigation under paragraph ( 1 ) of any information disputed by consumer and item of the information is found to be an accurate or incomplete or can not be verified the consumer reporting agency shall promptly delete that item of information from the file of the consumer and modify that item of information as appropriate based on the results of the reinvestigation and probably notify the furnisher that the information has been modified or deleted from the file of the consumer According to 15 USC 1681s-2 they are supposed to 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 non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
I woke up XXXX morning and XX/XX/XXXX or so and all of my bank accounts were at XXXX even a shared account with someone. Come to find out blitt and gaines pc XXXX had a court judgement filled against me to garnish my bank account. I was never served papers. No discussion prior, No percentage taken, everything just wiped to zero all XXXX accounts ( XXXX shared, XXXX personal ). I contacted them per XXXX XXXX XXXXXXXX saying I need to contact them XXXX. 

I did such and the process has been a nightmare since then. This is my payroll account which I can no longer access because this law frim has put a hold on the account. Not only that the hold is still on today and it has been over XXXX  months. I have contacted them repeatedly and said I can not pay my bill due to my account being on hold and they are dragging their feet in the process. They seem to not care and say it takes time. 

This lackluster effort has caused severe financial strain and has impacted my credit report. I have asked for things to be expedited or some clarity on what's going on and I get, " its a process ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX I received a text message wanting me to confirm a transaction from my business account for XXXX. I immediately pushed XXXX to deny the purchase. I have my account set up to alert me of charges over a certain amount to prevent theft. A response came back saying a representative from Wells Fargo fraud department would call me soon. Text still came through asking for me to confirm my information. They said they needed this information ( sign on info ) immediately to prevent the transaction. They said the XXXX department was backed up and this was the quickest way. I then received a call from XXXX which showed up on my end as Wells Fargo. I also XXXX  the number and it came up as Wells Fargo as well. They said they were from the fraud department and were trying to close my account to stop the transfer, and open a new account for my business. This call lasted XXXX mins, where they kept putting me on hold going back and forth like they were actually doing what they said. Later that day I went on my bank account and realized that all my funds had been transferred, and I was out XXXX. I realize that I fell victim to what I have learned is a common scam. I have struggled the past 11 months trying to stay in business ( which I started in 2022 with my Mom ) all because I thought it was ligit. The number they called me from came up as Wells Fargo, which I belived was the bank calling. I was XXXX XXXX XXXX at the time and have felt like the XXXX  XXXX for falling for this scam. I was not involved, nor did I approve either one of the transactions that took place. Wells Fargo has denied my claim. They way the number showed up as Wells Fargo, how am I suppose to know, or believe, that one of the employees weren't involved in stealing my money.

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 2025-02-28 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: UMB FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX XXXX, 2025, I contacted XXXX XXXXXXXX XXXX, XXXX XXXX and reported that my bank account ending in XXXX had been hacked, several fraudulent transactions including but not limited to {$1900.00}, and two addition separate {$900.00} transactions that happened after the account had been frozen, and I filed a fraud report. I have continually kept in contact with the bank and their fraud treasury support team regarding this matter, only to end up being told, and then verified in writing, that because they have not resolved this matter, I need to put the {$1900.00}. back into the account or they are putting me into collections for the fraudulent transactions to my account. I do not have {$1900.00}. to give to the bank for the fraud they allowed to happen to my account. I have contacted the XXXX XXXX XXXX XXXX Department XXXX The FTC XXXX and FDIC XXXX and filed fraud reports with all mentioned. If you need any further information, please contact me either by phone at XXXX or email at XXXX. I am in desperate need of assistance in this matter, Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in 2024. My name is XXXX XXXX, and I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach. Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience.Thank you for your assistance.Sincerely, XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX  XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account XXXX : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account

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 2025-02-28 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

UNAUTHORIZED INQUIRIES : XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquirer XXXX XXXX XXXX XXXX On Behalf Of XXXX XXXX XXXX XXXX Inquirer XXXX XXXX XXXX XXXX On Behalf Of XXXX XXXX XXXX XXXX Inquirer XXXX XXXX XXXX XXXX On Behalf Of XXXX XXXX XXXX XXXX Inquirer XXXX XXXX XXXX XXXX On Behalf Of XXXX XXXX XXXX XXXX Inquirer XXXX XXXX XXXX XXXX On Behalf Of XXXX XXXX XXXX XXXX Inquirer XXXX XXXX XXXX XXXX On Behalf Of XXXX XXXX XXXX XXXX Inquirer XXXX XXXX XXXX XXXX On Behalf Of XXXX XXXX XXXX XXXX Inquirer XXXX XXXX XXXX XXXX On Behalf Of XXXX XXXX XXXX XXXX Inquirer XXXX XXXX XXXX XXXX On Behalf Of XXXX XXXX XXXX XXXX Inquirer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquirer XXXX XXXX XXXX XXXX On Behalf Of XXXX XXXX XXXX XXXX Inquirer XXXX XXXX XXXX XXXX On Behalf Of XXXX XXXX XXXX XXXX Inquirer XXXX XXXX XXXX XXXX On Behalf Of XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-02-28 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: TX

Complaint narrative:
XXXX XXXX must be deleted, as the new lender could not verify the debt and XXXX has no legal standing to report it. 

NEIGHBORHOOD CREDIT UNION must be removed, as the account has been fully paid and should no longer appear on the report. 
Correction of XXXX XXXX Co Account XXXX XXXX Co must update or remove the account to reflect the correct balance after the vehicle was sold. 
If a 1099-C ( Cancellation of Debt ) should have been issued, the creditor must provide documentation verifying the account status. 
Deletion of Unauthorized or Disputed Credit Inquiries TransUnion must immediately remove all unauthorized and disputed inquiries that were not initiated by me.

Correction of Misspelled Name and Associated Accounts TransUnion is reporting an incorrect spelling of my name. This error must be corrected immediately to ensure accuracy.

Any accounts linked to the incorrect name spelling must be removed, as they may have been mistakenly attributed to my credit file.

Full and Transparent Investigation Report TransUnion must provide detailed verification records for each disputed account, proving they have properly investigated.

If they can not verify accuracy, they must delete the disputed items immediately per FCRA requirements.

Potential Compensation for FCRA Violations If TransUnion fails to comply, I reserve the right to pursue damages, including : Credit score impact Loss of financial opportunities ( e.g., loan denials ) Legal fees related to enforcing my consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: TX

Complaint narrative:
Upon reviewing my credit report, I was disturbed to find accounts that I do not recognize. I never opened these accounts, yet they are appearing under my name, which is completely inaccurate and unacceptable. This misinformation is damaging my credit history, and I need immediate action to correct it.

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 2025-02-28 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: MI

Complaint narrative:
XXXX Is the complaint number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX **Subject : ** FCRA Complaint Regarding Dispute Resolution Exceeding XXXX XXXX To Whom It May Concern, I am writing to formally file a complaint under the Fair Credit Reporting Act ( FCRA ) regarding a dispute resolution process that has exceeded the XXXX timeframe mandated by law. Below are the details of my complaint : XXXX. XXXX XXXX - XXXX - Social Security Number : XXXX - Contact Information : XXXX XXXX 2. Equifax, Experian, TransUnion ] - Date Dispute Filed : XXXX - Method of Dispute Submission : [ Online, - Description of Dispute : [ incorrect account information ] 3. **Violation of FCRA : ** - According to the FCRA , credit reporting agencies are required to complete investigations of disputes within XXXX XXXX of receiving the dispute ( 45 days if the dispute is based on additional information provided after the initial dispute ). 
- As of today, more XXXX XXXX have passed since I submitted my dispute, and I have not received a resolution or any communication regarding the status of my dispute. 

4. **Impact on Me : ** - The delay in resolving this dispute has caused denial of credit, higher interest rates, emotional distress. 

5. **Request for Action : ** - I request that the CFPB investigate this matter and ensure that the credit reporting agency complies with the FCRAs requirements. 
- I also request that the inaccurate information be corrected or removed from my credit report immediately. 
- Please provide me with written confirmation of the resolution of this matter. 


Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX Is the complaint number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX **Subject : ** FCRA Complaint Regarding Dispute Resolution Exceeding XXXX XXXX To Whom It May Concern, I am writing to formally file a complaint under the Fair Credit Reporting Act ( FCRA ) regarding a dispute resolution process that has exceeded the XXXX timeframe mandated by law. Below are the details of my complaint : XXXX. XXXX XXXX - XXXX - Social Security Number : XXXX - Contact Information : XXXX XXXX 2. Equifax, Experian, TransUnion ] - Date Dispute Filed : XXXX - Method of Dispute Submission : [ Online, - Description of Dispute : [ incorrect account information ] 3. **Violation of FCRA : ** - According to the FCRA , credit reporting agencies are required to complete investigations of disputes within XXXX XXXX of receiving the dispute ( 45 days if the dispute is based on additional information provided after the initial dispute ). 
- As of today, more XXXX XXXX have passed since I submitted my dispute, and I have not received a resolution or any communication regarding the status of my dispute. 

4. **Impact on Me : ** - The delay in resolving this dispute has caused denial of credit, higher interest rates, emotional distress. 

5. **Request for Action : ** - I request that the CFPB investigate this matter and ensure that the credit reporting agency complies with the FCRAs requirements. 
- I also request that the inaccurate information be corrected or removed from my credit report immediately. 
- Please provide me with written confirmation of the resolution of this matter. 


Thank you for your attention to this matter. I look forward to your prompt response. 

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 2025-02-28 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: CA

Complaint narrative:
My cousins boyfriend used my credit to open accounts without my permission, these are not my accounts and he did the accounts fraudulently. XXXX back to XXXX and left us with a lot of problems. I need to dispute these things and get them off my credit. I read about the lawsuit fromCFPB that they sued the credit bureaus because the credit bureaus are not doing their job and the disputes are not being done the right way. XXXX like to have my disputes processed the right way please and if they are not please include me in the lawsuit so that this can be resolved the right way. Please do the what lawsuit says you have to do and dispute this correctly for me thank you.

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