vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
There is fraud activity on my account that I clearly did not authorize, close to {$2000.00} if not more has been stolen from me and the person helping me on the phone was just being rude and eventually hung up on me when he was helping me reset my account number. As a result of him hanging up on me i now have no access to my account and the little bit of funds that i had left. I am worried they will not help me and reimburse me. The Bank is Wells Fargo.

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 2025-01-04 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: I.C. System, Inc.
State: CA

Complaint narrative:
According to my credit report on XX/XX/XXXX, I discovered that there are unauthorized and fraudulent activities being reported to my credit file. This is due to multiple data breaches that I have been involved in regarding my Name, Address, D.O.B, Soc Sec #, Phone number, and email addresses since XXXX. 
The following are the data breaches that have leaked my data : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are a few more, and I will update the new information after verification. I disputed this a few times and was ignored by the XXXX major credit bureaus. I'm seeking help to rectify this situation. 
Here are the un-authorized accounts that I had no knowledge of : XXXX XX/XX/XXXX ACCT # XXXX XXXX - XX/XX/XXXX ACCT # XXXX XXXX - XX/XX/XXXX ACCT # XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Any questions, please contact me at XXXX or the address I provided on this report. 

Sincerely, XXXX XXXX XXXX SS # XXXX I am willing to prosecute.

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 2025-01-04 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: CA

Complaint narrative:
According to my credit report on XX/XX/XXXX, I discovered that there are unauthorized and fraudulent activities being reported to my credit file. This is due to multiple data breaches that I have been involved in regarding my Name, Address, D.O.B, Soc Sec #, Phone number, and email addresses since XXXX. 
The following are the data breaches that have leaked my data : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are a few more, and I will update the new information after verification. I disputed this a few times and was ignored by the XXXX major credit bureaus. I'm seeking help to rectify this situation. 
Here are the un-authorized accounts that I had no knowledge of : XXXX XX/XX/XXXX ACCT # XXXX XXXX  - XX/XX/XXXX ACCT # XXXX XXXX  - XX/XX/XXXX ACCT # 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 XXXX XXXX  # XXXX Any questions, please contact me at XXXX or the address I provided on this report. 

Sincerely, XXXX XXXX XXXX SS # XXXX I am willing to prosecute.

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 2025-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
Scam and then they allowed checking account to be opened didn't close it and then after knowing it was a scam allowed another account opened and then added someone else on the account without permission after going into the branch manager and getting the fraud number and no help refusing to help or close even after going to the XXXX XXXX police XXXX XXXX they still didn't close account until now after 21 days then now messing up my credit and still won't close leaving me exposed and they don't care that I have the recording of the fraud number being fraud .... talked to one number on farm number and she transferred me said noo idk how u would get this number then transferred me got hung up on ... .. also they reposted my dad 's truck at his funeral without giving me the chance to buy it or take over payments or time to prove I was estate holder then sent me a check for wrongful reposseion of XXXX I have check still unchashed got an attorney now XXXX XXXX XXXX and they didn't respond to him at all so he has been dealing with this forever so this bank really had screwed me over not to mention any overdraft fee they would credit me and then take it back out and over draft me too what a rip.off and they are theifs and they are scammers i have had to change all my information miss work talk to the cops and my credit took a hit and not get my dream home and yet they could give a XXXX.less why are they a business still

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 2025-01-04 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: AR

Complaint narrative:
Consumer name XXXX XXXX XXXX Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 accounts XXXX  XXXX XXXX {$590.00} XX/XX/XXXX, XXXX XXXX XXXX  XXXX {$860.00} XX/XX/XXXX, XXXX XXXX  XXXX {$830.00} XX/XX/XXXX, XXXX XXXX  XXXX {$870.00} XXXX XXXX, XXXX XXXX  XXXX {$130.00} XX/XX/XXXX, XXXX XXXX XXXX {$480.00} XX/XX/XXXX, XXXX XXXX {$25.00} XX/XX/XXXX XXXX  XXXX {$450.00} XX/XX/XXXX, XXXX XXXX {$410.00} XX/XX/XXXX, XXXX XXXX  XXXX {$260.00} XXXX XXXX, XXXX XXXX XXXX  XXXX {$5100.00} XX/XX/XXXX, XXXX XXXX XXXX {$860.00} XX/XX/XXXX XXXX XXXX {$790.00} XXXX  XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$710.00} XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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 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 2025-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered a collection account that should not be there on my equifax report. Consumer reporting agency play a crucial role in accurately reporting consumer information and it is imperative that this information be reported with utmost accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I requested the original consumer contract with my signature that you have on file to verify if this debt is accurate. By law you need to DELETE accounts that are inaccurate, incomplete or unverifiable. 
. 
. 
The company responded with the following actions taken on my credit file : " You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. ONLINE INFORMATION SERVICES-UPDATED XXXX XXXX XXXX. 
. 
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Complaint I.D # XXXX. 
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No original contract was given or sent via mail : account was not verified.

Please view 15 USC 1681i and 15 USC1681s-2

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 2025-01-04 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: MO

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by the law to do so. 

DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: DC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

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 2025-01-04 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: AZ

Complaint narrative:
I had a delinquent status on my XXXX  credit card. The only reason it went to delinquent was because there was suspicious charges I had not recognized. XXXX has notes on the matter. Yet after disputing several times with Experian my credit score was not fixed.

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 2025-01-04 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: TN

Complaint narrative:
I was a victim of the XXXX data breach and my identity was used. a Personal loan account was created by XXXX XXXX. This account was opened 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 non-monetary relief
Consumer complaint received 2025-01-04 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: IL

Complaint narrative:
This company is reporting a account that I dont have and have can you open a account with a debt collector account they is reporting a false account and I want them off my credit report now.

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 2025-01-04 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:
I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance {$940.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$310.00} XXXX  XXXX XXXX Balance {$2600.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$2900.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2025-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I opened up a XXXX XXXX with XXXX XXXX on XX/XX/XXXX however I wasn't using my account at all due to personal issues and tried canceling my membership but they were requesting a fee of over {$50.00} to cancel. So instead I wrote an email and requested cancellation, however they refused especially with a cancellation without any fees, and I instead removed my card. They kept trying to charge me monthly until the amount reached to an estimate of {$120.00} ( {$120.00} exact ) in XX/XX/XXXX. They sent the amount to debt XXXX " Aldous & Associates '' and I tried to communicate with them through email however they blocked my email. I finished paying the collection in XX/XX/XXXX, but this however has damaged my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: OK

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 
XXXX XXXX XXXX {$750.00} - XX/XX/2024 XXXXXXXX XXXX XXXX {$470.00} XX/XX/2024 XXXX XXXX {$210.00} XX/XX/2024 You are required to do what i am asking and block these transactions from being reported to my consumer report within 4 days from the date of receipt of this notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: OK

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 
XXXX XXXX XXXX {$750.00} - XX/XX/year> XXXX XXXXXX/XX/XXXX {$470.00} XX/XX/year> XXXX XXXX {$210.00} XX/XX/year> You are required to do what i am asking and block these transactions from being reported to my consumer report within 4 days from the date of receipt of this notice.

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 2025-01-04 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:
On Friday XXXX XXXX I received a credit alert from my credit monitoring service that a collection account had been added to my credit report. I immediately logged in and saw that XXXX XXXX had added a collection account in the amount pf {$4300.00} to my credit XXXX and XXXX credit reports. I contacted the company and informed them that the account was not mine. The representative told me to contact XXXX. Upon contacting XXXX I was told that I had to submit an identity theft report to have the accounts removed. According to their files the account was opened in XXXX, XXXX  in XXXX. During that time I was still on XXXX XXXX in the XXXX XXXX XXXXXXXX and was living in XXXX, XXXX  and could not have obtained this account. Im attaching to this dispute a copy of my military retirement orders as well as my XXXX showing that my actual retirement date was XX/XX/XXXX and that I retired to XXXX, XXXX XXXX I resided in XXXX, XXXX until I moved to XXXX  in XXXX XXXX.This fraudulent information is causing irreparable damage to my credit file and will affect my ability to obtain credit in the future. Im asking that these accounts be blocked from my credit file until a proper investigation is done to prove the validity of this account in accordance with FCRA 605B ( 15U.S.C. 1681c-2 ). Failure to do so will leave me with no other choice than to report your agency to the state attorney general and seek civil penalties for not being in compliance with consumer protection laws. I have also uploaded a copy of my FTC identity theft report. I sincerely thank you for your prompt attention to 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 2025-01-04 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:
On Friday XXXX XXXX I received a credit alert from my credit monitoring service that a collection account had been added to my credit report. I immediately logged in and saw that XXXX XXXX had added a collection account in the amount pf {$4300.00} to my credit Equifax and XXXX credit reports. I contacted the company and informed them that the account was not mine. The representative told me to contact XXXX. Upon contacting XXXX I was told that I had to submit an identity theft report to have the accounts removed. According to their files the account was opened in XXXX, Tennessee in XXXX. During that time I was still on XXXX XXXX in the XXXX XXXX XXXX and was living in XXXX, XXXX  and could not have obtained this account. Im attaching to this dispute a copy of my military retirement orders as well as my XXXX showing that my actual retirement date was XX/XX/XXXX and that I retired to XXXX, XXXX XXXX I resided in XXXX, XXXX until I moved to XXXX  in XXXX XXXXThis fraudulent information is causing irreparable damage to my credit file and will affect my ability to obtain credit in the future. Im asking that these accounts be blocked from my credit file until a proper investigation is done to prove the validity of this account in accordance with FCRA 605B ( 15U.S.C. 1681c-2 ). Failure to do so will leave me with no other choice than to report your agency to the state attorney general and seek civil penalties for not being in compliance with consumer protection laws. I have also uploaded a copy of my FTC identity theft report. I sincerely thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX ( XXXX  ) XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these account before i seek litigation for defamation of character ) XXXX XXXX XXXX balance {$590.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX ( XXXX  ) XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these account before i seek litigation for defamation of character ) XXXX XXXX XXXX balance {$590.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation