vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: NJ

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 
As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
I would like to request the temporary removal of the security freeze on my credit report to allow authorized financial institutions to access my credit history. This is necessary for the processing of my loan application, which requires a review of my creditworthiness and financial standing. Please proceed with lifting the freeze as soon as possible to ensure a smooth and timely evaluation of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CLGF Holdco 1, LLC
State: KY

Complaint narrative:
I am formally disputing the opening of a fraudulent credit card account in my name. I was notified that an account was opened using my personal information without my knowledge or authorization. I am confident that this account was opened fraudulently, and I am requesting that it be closed immediately and that any associated charges or activities be removed from my credit report. 

Below are the details of the fraudulent account in question : Account Number : XXXX Date the Account was Opened : XX/XX/year> Date I Discovered the Fraud : XX/XX/year> I did not authorize the opening of this account, nor did I give anyone permission to use my personal information to apply for credit. This account is clearly the result of identity theft or some form of fraud. I am requesting that you take the following actions : Close the fraudulent account immediately. 
Remove any charges or transactions associated with this account from my credit file. 
Provide me with a written confirmation that the account has been closed and that no further action will be taken against me for this fraudulent account. 
In addition, I am also requesting that you notify the relevant credit bureaus of the fraud and provide me with updates on the status of your investigation. 

I appreciate your prompt attention to this matter, and I request written confirmation of the dispute and resolution as soon as possible. 

Thanks, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
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 information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : Late Open XXXX XXXX {$330.00} Date Open : XXXX/XXXX/2024

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : Late Open XXXX XXXX {$330.00} Date Open : XXXX/XXXX/2024

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

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: OH

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

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 card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony Financial charged me a late fee of {$41.00} for my XXXX XXXX store credit account even though the purchse was returned within the allowable return window. They charged me a {$5.00} late fee which was refunded but then escalated to a {$41.00} late fee despite the purchase being returned in full and with no warning of an escalator in fees. They refused to refund me the {$41.00} despite what is a clearly deceptive practice of placing fees on returned purchases and escalating late fees with no disclosures

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
For the last 6+ months my payments have been made every month. Which is also reflected on my credit report. However, in XXXX, all of a sudden, WellsFargo online system showed that we were behind by 4 months which is completely inaccurate. I contacted Wells Fargo many times trying to get this sorted out and they fail to assist me. 

Back in the Summer/Fall of XXXX my husband was having an issue with his Wells Fargo Bank account and decided not to use it anymore and ultimately close the account but Wells Fargo continuously attempted to withdrawl our Mortgage payment from this account, causing the system to return payment for non sufficient funds. Our mortgage payments were being made from my XXXX account and for some reason are not being reflected on our account. Our account should be paid through XXXX and right now its showing we are due for XXXX. I need to know what payments they are showing as " missing '' so that I can provide my bank statements. I have already provided my bank statements but Wells Fargo fails to acknowledge them and fix this issue. 



On XX/XX/XXXX I spoke with someone on the home preservation team and also submitted an email to them with copies of bank statements and receipts showing our mortgage has been paid up to date. I requested that they immediately review our payment history and what months they show as not paid and all missing or misallocated payments corrected, a written confirmation that our account has been updated and corrected once the review is complete and the cessation of any negative reporting to credit bureaus and documentation of any corrections made to our account. 

The payment dates going back to XX/XX/XXXX are as follows : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/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 2025-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a complaint regarding unauthorized transactions on my Wells Fargo checking account. 

On XX/XX/year>, I received a notice stating that a company, XXXX, attempted to transfer money from my account but was declined due to an incorrect expiration date. Upon reviewing my account, I discovered that several unauthorized transfers had already been successfully completed by XXXX without my consent. 

I immediately reported the issue to Wells Fargo and initiated a dispute ( Reference Number : XXXX ). An investigation was started, and days later, I received a callback from Wells Fargo requesting more information. However, when I called back, I was informed that a decision had already been made, and the bank refused to recover the funds, claiming that the transfer was authorized via a device. 

I did not authorize any of these transactions, and the device/account used for the authorization does not belong to me. Furthermore, I did not receive any notifications about these transactions until there is a failed attempt. 

I am requesting the CFPBs assistance in holding Wells Fargo accountable and recovering my lost funds, and reimburse me for the lost funds, as these transfers were not authorized.

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I have been repeatedly, every one to two days for about a month, called by " Chase '' with the phone numbers listed here : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Today I answered the call from the XXXX number, and the person on the other end identified with a number, and gave the reason they were calling to be regarding an unpaid balance I owed on a Prime Chase card. I do not have a XXXX Chase card. I did not give them any information, but simply said, " This is not real. I will look into this myself, '' and hung up.

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: EQUIFAX, INC.
State: NY

Complaint narrative:
I was alarmed that there are inaccurate late payment remarks on my report.

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: 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: CA

Complaint narrative:
1XXXX XXXXXXXX Failed to Provide Legally Required Notice Under UCC Article 9, Section 9-611, a lender must provide the debtor with a formal Notice of Sale before auctioning a repossessed vehicle. 
XXXX XXXX never sent such notice, meaning the repossession was improperly conducted and can not be legally enforced. 
2. Failure to Disclose Sale Details & Provide Accounting UCC Article 9, Section 9-613 requires lenders to disclose the details of the sale, including the date, time, location, and final sale price. 
XXXX XXXX has failed to provide this information, making it impossible to verify whether the sale was fair or whether a deficiency balance is valid. 
3. Equifax Failed to Conduct a Proper Investigation Under the Fair Credit Reporting Act ( FCRA ) 611, credit bureaus must conduct a reasonable investigation when a dispute is filed. 
Despite XXXX XXXX legal violations, Equifax failed to investigate properly and continues to report this repossession inaccurately. 
This damages my creditworthiness unfairly and violates my consumer rights.

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 2025-03-20 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:
1XXXX XXXXXXXX Failed to Provide Legally Required Notice Under UCC Article 9, Section 9-611, a lender must provide the debtor with a formal Notice of Sale before auctioning a repossessed vehicle. 
XXXX XXXX never sent such notice, meaning the repossession was improperly conducted and can not be legally enforced. 
2. Failure to Disclose Sale Details & Provide Accounting UCC Article 9, Section 9-613 requires lenders to disclose the details of the sale, including the date, time, location, and final sale price. 
XXXX XXXX has failed to provide this information, making it impossible to verify whether the sale was fair or whether a deficiency balance is valid. 
3. Equifax Failed to Conduct a Proper Investigation Under the Fair Credit Reporting Act ( FCRA ) 611, credit bureaus must conduct a reasonable investigation when a dispute is filed. 
Despite XXXX XXXX legal violations, Equifax failed to investigate properly and continues to report this repossession inaccurately. 
This damages my creditworthiness unfairly and violates my consumer rights.

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 — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Months ago i found out my personal information was leaked due to a breach. I have discovered fraudulent accounts in the past. Now i am discovering fraudulent inquiries on my report. There are XXXX inquires that i never initiated. I am grateful that they are only inquiries and not accounts with a fraudulent balance. Lets begin with the XXXX. XXXX  XXXX XXXX XXXX  on XX/XX/XXXX. XXXX XXXX XXXX XXXX  on XX/XX/XXXX. XXXX XXXX XXXX  on XX/XX/XXXX. XXXX XXXX XXXX  on XX/XX/XXXX. XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX  XX/XX/XXXX. I have submitted a Identity Theft report and now following the recovery plan.

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 — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
- I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

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 2025-03-20 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: PA

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, PA, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] [ EQUIFAX ] [ XXXX XXXX XXXX XXXX, GA XXXX ] [ XXXX, GA, XXXX ] Subject : Formal Dispute of Inaccurate Information Under FCRA ( 15 U.S.C. 1681n & 15 U.S.C. 1681o ) Dear [ EQUIFAX ], I am writing to formally dispute inaccurate information on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ). The following item ( s ) on my report contain errors and must be investigated and removed immediately : [ XXXX  ] Account:XXXX  [ fraudulent account. ] [ XXXX ] -ACCOUNT:XXXX  [ fraudulent account ] [ XXXX ] -ACCOUNTXXXX [ fraudulent account ] According to 15 U.S.C. 1681i, you are required to conduct a reasonable investigation of this dispute within 30 days. If the information is found to be inaccurate or unverifiable, it must be deleted or corrected. 

Additionally, under 15 U.S.C. 1681n, if you fail to comply with the FCRAs requirements willfully, you may be liable for actual damages, statutory damages of up to {$1000.00} per violation, punitive damages, and attorney fees. Under 15 U.S.C. 1681o, if noncompliance is due to negligence, you are still liable for damages, including legal costs. 

I demand that you correct or delete the inaccurate information from my credit report immediately. Please provide me with a written response detailing the results of your investigation. If the disputed item is not corrected, I will explore all legal remedies available to me. 

Enclosed are copies of supporting documents [ list documents such as a copy of your credit report with the inaccurate item highlighted, proof of identity, statements, etc. ] to assist in your investigation. 

Please respond in writing to the address above within the required timeframe. 

Sincerely, [ XXXX XXXX ]

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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