vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 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: PA

Complaint narrative:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regards to this incident. 

PLEASE REMOVE THE FOLLOWING ACCOUNTS ASAP CREDIT CARD : XXXX XXXX, LIMIT {$500.00}, OPENED XX/XX/XXXX, ACCOUNT NUMBER XXXX. 
CREDIT CARD : XXXX XXXX XXXX XXXX, LIMIT {$1000.00}, DATE OPENED XX/XX/XXXX, ACCOUNT NUMBER XXXX. 
CREDIT CARD : XXXX XXXX XXXX XXXX, LIMIT {$5000.00}, DATE OPENED XX/XX/XXXX, ACCOUNT XXXX. 
LINE OF CREDIT : XXXX XXXX XXXX XXXX, DATE OPENED XX/XX/XXXX, ACCOUNT NUMBER XXXX AUTO LOAN : XXXX XXXX XXXX XXXX, DATE OPENED XX/XX/XXXX, ACCOUNT NUMBER XXXX PLEASE REMOVE THE FOLLOWING INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX CARD XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 2025-01-07 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:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-01-08 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:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-01-07 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: GA

Complaint narrative:
My account was compromised and money was taken from my account. I called Wells Fargo on XX/XX/XXXX and reported the fraud. The total amount of fraudulent charges was {$2900.00}. Today, XX/XX/XXXX, my claim was denied with no reasonable explanation. I am being denied access to money that I rightfully deserve. Wells Fargo and XXXX XXXX customer service were both unable to resolve the issue and im left without a resolution. I have a pending eviction and this financial mishap is causing me my way of living. Wells Fargo is refusing to assist me any further in receiving my funds back and I need help.

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 2025-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Reference Number : XXXX Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in investigating and resolving a matter involving a debt collection agency, XXXX XXXX XXXX XXXX, regarding an alleged debt associated with the original creditor, XXXX XXXX, under account number XXXX. 


The agency claims that I owe a total balance of {$5200.00} under their current account number XXXX. I dispute the validity of this debt and request that XXXX XXXX XXXX XXXX provide proper validation in compliance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), which requires debt collectors to cease collection activities until they have verified the debt and provided documentation to the consumer. 



To date, I have not received adequate documentation that substantiates the validity of the debt. As such, I am exercising my rights under : 15 U.S.C. 1692g : Validation of debts. 

15 U.S.C. 1692e ( 8 ) : Communication of false or misleading information about a debt.

15 U.S.C. 1692c ( c ) : Ceasing communication upon written request. 



Additionally, I request your assistance in ensuring compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, specifically concerning the accuracy of information reported to credit bureaus by XXXX XXXX XXXX XXXX or any affiliated parties. Any unverifiable or inaccurate information must be removed promptly. 



I respectfully request that this debt be removed from my records unless XXXX XXXX XXXX XXXX can provide documentation proving : 1. The original agreement or contract with PayPal Inc. that substantiates my obligation. 

2. A full accounting of how the balance of {$5200.00} was calculated. 

3. Verification of their legal authority to collect on this debt. 



If they can not provide this information, I ask that this matter be closed and the alleged debt removed from my records and credit reports. 



Please notify me of the status of this complaint and any action taken on your part. I am prepared to provide additional information or documentation, if needed. 



Thank you for your assistance in this matter. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX 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. 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX AUTO # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX CARD # XXXX Account Name : 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 explanation
Consumer complaint received 2025-01-07 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: TX

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The personal details on my credit report are incorrect. I've attached my documents for you to update the information.

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 2025-01-07 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: FL

Complaint narrative:
I did not approve this inquiry, nor did I have any conversation with this lender on the given date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: NV

Complaint narrative:
I have went back and forth with this company about a collection supposably from a health club that i did not attend. This account is a direct result of identity theft. ALDOUS AND ASSOCIATES is refusing to remove the collection from my credit. report per 605b of the FRCA. Also this company is also sending harassing calls on a daily basis. I have filed a police report as well as now ALDOUS AND ASSOCIATES is asking for a idenity theft report ( Attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Im reaching out to dispute several incorrect details on my Experian credit report that could seriously harm my credit. My correct legal name is XXXX XXXX XXXX, but Experian lists several incorrect variations, including XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. The report includes incorrect addresses, such as XXXX XXXXXXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ 0XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX  , and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX The correct address should be XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX My employer should be listed as XXXX XXXX XXXX only, with " self-employed '' removed, and I request the removal of any phone numbers on the report. These mistakes have caused me considerable stress and concern, as they damage my financial reputation and raise worries about identity theft. These errors could negatively affect my credit, and I believe they violate the Fair Credit Reporting Act, which requires that credit reports be accurate. I'm requesting that these issues be corrected immediately to ensure my personal information is accurate and up to date, and that an investigation is conducted to determine if fraud is involved.

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 2025-01-07 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XX/XX/year> i mailed a letter requesting the assignment of contract including the chain of title, transfer agreement from the original creditor to Portfolio Recovery Services, and documentation showing each transfer if multiple agencies have owned this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: NC

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and XXXX card.

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 2025-01-07 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: NC

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and XXXX card.

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 2025-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have been a victim of identity theft and my personal information was used to open up fraudulent accounts. I have reached out to the creditor and they agreed that the accounts were, opened up fraudulently. I then reached out to the credit bureaus to have. these accounts remove. Its been over a year and the incorrect information is still on my credit report impacting me in a negative way.

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 2025-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Fraudulent Information on My Credit Report Due to XXXX XXXX Dear XXXX Customer Service , I am writing to formally dispute inaccuracies on my credit report resulting from the data breach that occurred in XXXX. I believe that some of the information currently on my credit report is a result of fraudulent activity, and I request that these inaccuracies be investigated and corrected as soon as possible. 

Specifically, I noticed the following items on my credit report that I believe may have been affected by the XXXX XXXX breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquires are also unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items may have been created as a result of identity theft or unauthorized activity due to the breach. I ask that you review my credit report and take the necessary steps to investigate these discrepancies.

I request that you take the following actions : Review the listed accounts and remove any fraudulent items resulting from the breach. 
Provide me with the outcome of your investigation and a corrected copy of my credit report. 
Enclosed are copies of my identification documents ( e.g., drivers license, Social Security card, and proof of address ) to verify my identity. Additionally, I have included any relevant documentation supporting my claim ( e.g., a copy of the data breach notification, police reports, or fraud alerts ). 

Under the Fair Credit Reporting Act ( FCRA ), I understand that you have a duty to investigate my dispute within 30 days. Please notify me in writing regarding the status of your investigation. 

If you need any additional information to process this dispute, please let me know. 

Thank you for your prompt attention to this 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 2025-01-07 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Fraudulent Information on My Credit Report Due to Data Breach Dear EXXXX Customer Service , I am writing to formally dispute inaccuracies on my credit report resulting from the data breach that occurred in XXXX. I believe that some of the information currently on my credit report is a result of fraudulent activity, and I request that these inaccuracies be investigated and corrected as soon as possible. 

Specifically, I noticed the following items on my credit report that I believe may have been affected by the XXXX XXXX breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquires are also unauthorized : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items may have been created as a result of identity theft or unauthorized activity due to the breach. I ask that you review my credit report and take the necessary steps to investigate these discrepancies.

I request that you take the following actions : Review the listed accounts and remove any fraudulent items resulting from the breach. 
Provide me with the outcome of your investigation and a corrected copy of my credit report. 
Enclosed are copies of my identification documents ( e.g., drivers license, Social Security card, and proof of address ) to verify my identity. Additionally, I have included any relevant documentation supporting my claim ( e.g., a copy of the data breach notification, police reports, or fraud alerts ). 

Under the Fair Credit Reporting Act ( FCRA ), I understand that you have a duty to investigate my dispute within 3XXXX days. Please notify me in writing regarding the status of your investigation. 

If you need any additional information to process this dispute, please let me know. 

Thank you for your prompt attention to this 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 explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Submitting dispute letter to remove negative items off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
They charged the account off, sold the account to a collection agency, and then bought the account back. Now they are saying they don't have the account and refuse to accept payments. 

I've been contacting them and the collection agency since XX/XX/year>. In the process, this is just sitting on my credit report and I'm trying to purchase a home.

Company response to consumer: Closed with explanation