vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm filing a formal complaint with your agency for inaccurate or misleading information contained in my credit file. 
XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
i recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/2025 Dear Wells Fargo Customer Service, I am writing to formally address the ongoing issue of identity theft and fraud that has severely impacted my life and well-being. Despite providing substantial evidence and documentation over the past two years, I am still being harassed by the process server of Wells Fargo Bank after I get home from work and taken to court ( Please see the attached document received today, XX/XX/2025 ). This situation has exacerbated my distress and health issues. I have already submitted the following credible documents to Wells Fargo multiple times : I have submitted the following credible documents to Wells Fargo : Identity Theft Report filed with the FTC ( Please see attached ) Police Report filed with my local police station ( Please see attached ) FBI Creditor Letter indicating an ongoing investigation ( Please see attached ) These documents clearly demonstrate that I am a victim of identity theft and fraud, and that the funds in question were stolen by scammers. Despite this, Wells Fargo continues to hold me responsible for the fraudulent transactions, causing undue stress and hardship.

Out of the five banks involved in this fraud, Wells Fargo is the only institution that has not ceased its harassment. This relentless pursuit has taken a significant toll on my health, and I am unable to work peacefully due to the constant pressure to repay money that I did not spend.

I urge Wells Fargo to : 1. Cease all legal actions against me immediately.

2. Acknowledge the evidence provided and recognize my status as a victim of identity theft and fraud.

3. Work with me to find a resolution that does not involve holding me accountable for the actions of the scammers.

I hope that Wells Fargo will respect U.S. consumer protection laws and take swift action to resolve this matter. I look forward to your prompt response and a resolution that allows me to move forward without further distress. 

Thank you for your attention to this urgent matter. 

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 non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I noticed some inaccuracies on my credit and I had my credit frozen in the meantime to get dispute letters set up to send out. At the time I had so many hard inquiry 's from dealerships running my credit more that 20+ time as well as debt collectors suing me with no response to any of my deputes letter that I sent out wanting an explanation on these accounts. The only thing I've received since my letters went out 2 yrs ago was a Garnishment to my job as to an account that I have been disputing for over 5 yrs everything else remains on my report as negative along with some of these accounts that never got a single payment towards them. I had a XXXX XXXX credit account removed it had a XXXX balance and I've never had a credit card account open with them that has since been removed because it was reported on my credit but belongs to someone else with a different name that's no link to me I asked how it was put on my credit I was told it was done in era. My name on my credit report is also inaccuracy there are names I've never used and the spellings are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: GA

Complaint narrative:
I noticed some inaccuracies on my credit and I had my credit frozen in the meantime to get dispute letters set up to send out. At the time I had so many hard inquiry 's from dealerships running my credit more that 20+ time as well as debt collectors suing me with no response to any of my deputes letter that I sent out wanting an explanation on these accounts. The only thing I've received since my letters went out 2 yrs ago was a Garnishment to my job as to an account that I have been disputing for over 5 yrs everything else remains on my report as negative along with some of these accounts that never got a single payment towards them. I had a XXXX XXXX credit account removed it had a XXXX balance and I've never had a credit card account open with them that has since been removed because it was reported on my credit but belongs to someone else with a different name that's no link to me I asked how it was put on my credit I was told it was done in era. My name on my credit report is also inaccuracy there are names I've never used and the spellings are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There are fraudulent inquiries on my credit report XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Section 605B of the Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies ( CRAs ) to block fraudulent information on a consumer 's credit report if the consumer claims it was the result of identity theft keep in mind CRAs must block the information within four business days of receiving this information Failure to respond with deletion of the above reference account and sent out a free copy of my report actor. The changes have been made will result in legal actions being taken against your company for which I will also be seeking XXXX per violation for Defamation of character Negligent enablement of identity fraud Section 1681EB of the fair credit reporting act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX inquired on XX/XX/XXXX XXXXXXXX XXXX inquired on XX/XX/XXXX 2025

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the erroneous charge-off entry on my credit report associated which was reported of charge-off. This entry is not only misleading but also completely inaccurate and must be addressed without delay.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate reporting of my credit information. The entry in question is damaging my creditworthiness, and it is unacceptable that you would allow this blatant error to remain on my report.

I demand that you conduct a thorough investigation into this matter and remove this charge-off from my credit report immediately if it can not be verified. You have a legal obligation to respond to my dispute within 30 days per the FCRA, and failure to do so will compel me to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies.

This is your final notice to rectify this situation. I expect to receive confirmation of the resolution of this dispute within the stipulated 30-day period. 

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 non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have always used XXXX to receive my paychecks from my employer as we are a smaller dental office. Recently XXXX cancelled the ability to use their app when registered with a debit card, so I went to Chase to open a new account with the sole intention of setting up my XXXX account in order to continue receiving my paychecks. I was told this would work out just fine. My account was opened on XX/XX/XXXX and a test transaction was sent through and accepted via XXXX. A couple days later I transferred money into the account in order to have funds in there just in case I needed some. XX/XX/XXXX comes around for payday and my same employer, who sent the test transaction a week before, sent my paycheck to my account. When I got home from work I see an email saying that Chase had cancelled my payment with no explanation ( they blocked my paycheck from being deposited into my account ). I need my paycheck for bills, so I contacted the customer service line immediately to address the issue. I was then transferred to a " money moving '' team and after verifying my identity and that the account was mine I was told that I would need to find another way to receive my paycheck period. I informed them that this was the only way my employer was offering our paychecks at the time and it had been this way for the last two years. I was then informed that I was a new customer, so I could not deposit my money into my own account this way because the transaction was marked by their team. First, I have been doing business with Chase since XXXX. Second, this was a deposit into my account, not like I was trying to make a payment to some sketchy company. Third, the test deposit from the same employer was accepted and showing on my account from a week prior. I asked to speak to a supervisor because I was speaking to remote service in the XXXX. I was then told that I would be transferred, but that it wouldn't matter anyway and I would only be told the same things. I said I still wanted to talk with someone higher up. They reluctantly placed me on a long hold after saying they would transfer me in 3-4 minutes. After waiting, they connected me to what sounded like one of their colleagues with no additional supervisory authority. They then proceeded to tell me that their colleague was correct and nothing else could be done from anyone in the company and that my only option is to find some other way of receiving my funds from my employer. After informing them that there was no other option and I needed my funds, I was told to contact my employer and have them write me a personal check from their personal account if I needed the money right away. I've never had a bank deny me the ability to put my own money into my own account, especially with so many factors showing that the transaction and my membership are both legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc.
State: AL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Montgomery Ward for knowingly and willfully reporting inaccurate and misleading information on my credit reports in violation of the Fair Credit Reporting Act ( FCRA ) and my consumer rights under 15 U.S. Code 1681 and related statutes.

Montgomery Ward has been reporting an account as 180 days past due for 11 consecutive months, which is factually and legally impossible. An account can not remain at 180 days past due for nearly a year without being charged off, closed, or otherwise resolved. This misreporting is a direct violation of : 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) Furnishers of information must not furnish information they know or have reasonable cause to believe is inaccurate.

15 U.S. Code 1681s-2 ( a ) ( 2 ) Duty to correct and update information.

15 U.S. Code 1681e ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information.

15 U.S. Code 1681i ( a ) ( 5 ) ( A ) Failure to delete or modify inaccurate information after a reinvestigation.

This inaccurate reporting is not only damaging to my credit profile but also a clear violation of federal law. It is causing me financial harm, emotional distress, and denial of credit opportunities.

I have attempted to resolve this matter directly with Montgomery Ward and the credit reporting agencies. However, the inaccurate data continues to appear on my credit reports despite my repeated disputes and requests for deletion or correction.

This letter serves as my formal complaint to the CFPB, and I request a thorough investigation and enforcement action against Montgomery Ward for these willful violations. Additionally, I am placing Montgomery Ward on notice of my intent to file a lawsuit for damages under the FCRA if this account is not immediately corrected or removed from all credit reporting agencies ( XXXX, XXXX, and XXXX ). 

Under 15 U.S. Code 1681n and 1681o, I am entitled to seek actual damages, statutory damages, punitive damages, and attorneys fees for willful and negligent noncompliance with the FCRA.

Please provide a written response within 15 business days confirming receipt of this complaint and outlining the steps being taken to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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, BANK XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In XX/XX/year>, I submitted online disputes to both Experian and XXXX regarding multiple inaccurate and unrecognized accounts listed on my credit report. I provided full supporting documentation including identification ( front and back ), Social Security card, and proof of address. 

As of XX/XX/year>, more than 60 days have passed without any response or investigation from either credit bureau. This is a violation of Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), which requires that disputed information be investigated and resolved within 30 days. Because no response or investigation has been conducted within that legally required timeframe, the disputed items must be removed immediately. 

Additionally, due to my identity being compromised in the XXXX data breach, I believe some of these accounts may be the result of identity theft or fraudulent activity. A fraud victim statement is already on file with my credit reports. 

I have suffered credit denials, financial stress, and mental strain due to these unresolved and inaccurate reports. I am requesting that all disputed accounts be permanently deleted from my credit file with both Experian and TransUnion due to noncompliance with the FCRA. If this matter is not resolved, I am prepared to pursue legal action to protect my 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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX account isnt mine Affirm account isnt mine. I informed all three credit bureaus that I want copies of the signed contract between each company I disputed and myself. They failed to comply within the 30 day grace period, nor did they provide these documents at all. I had my identity stolen due to the XXXX Equifax data breach. My personal information has been stolen is for sale and has been sold on the dark web. I verified this thru XXXX. I personally have not opened any new accounts since XXXX. All these new open accounts are not mine. I asked all three bureaus, Equifax, XXXX, and XXXX XXXX, to provide me with evidence with consumer member identification and copies of signed contracts between each account I disputed and myself. They have not provided and documents I demanded to receive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX account isnt mine Affirm account isnt mine. I informed all three credit bureaus that I want copies of the signed contract between each company I disputed and myself. They failed to comply within the 30 day grace period, nor did they provide these documents at all. I had my identity stolen due to the XXXX XXXX data breach. My personal information has been stolen is for sale and has been sold on the dark web. I verified this thru XXXX. I personally have not opened any new accounts since XXXX. All these new open accounts are not mine. I asked all three bureaus, XXXX, XXXX, and Trans Union, to provide me with evidence with consumer member identification and copies of signed contracts between each account I disputed and myself. They have not provided and documents I demanded to receive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: WI

Complaint narrative:
Reported on credit bureaus on XX/XX/year> in the amount of XXXX

Company response to consumer: Closed with explanation