vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This letter serves as notice that my credit report has fraudulent accounts due to a data breach. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX delete and block the following accounts from my credit report Accounts I XXXX XXXX - Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$190.00} Inquiries XXXX XXXX XXXX CO 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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B 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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX, XXXX, XXXX - Incorrect Personal 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 ( FTC NUMBER ) as proof from the US Federal Trade Commission that all 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 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I deposited a check into my account for {$40000.00}, the bank made the funds available the next day. They subsequently put a hold on the funds for {$40000.00} after which they decided to do me a favor and release {$5000.00} so they applied a hold for {$35000.00} but never removed the one for {$40000.00} and drew my account negative over {$34000.00}. Approximately 10 transactions and checks bounced. Their XXXX number hung up on me, then told me this is how banks work and I could wait 10 days for it to be released, then wouldn't let me talk to a supervisor because they would tell me the same thing, then had a supervisor talk down to me about how banks work. They subsequently ignored me for 4 days then had a special department contact me stating they would remove the hold, fix all the problems, take care of any fees I was assessed by other institutions, etc. Now XXXX XXXX has shut off all of my cards and charged me {$110.00}. XXXX XXXX put a 8 day hold on my payments and charged me interest, and the bank is back to ignoring me. XXXX XXXX tried to contact them to confirm the issue was not my fault and they refused to speak to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
On XX/XX/XXXX, at XXXX, I was approached my two men on the street in XXXX XXXX XXXX  XXXX I was asked to donate. I agreed to donate {$10.00}. They informed me they could only do tap donations. I used my Apple Card through Goldman Sachs to donate {$10.00}. After the two men had left, the transaction changed from {$10.00} to {$2400.00} on my Apple Card statement. I did not in any way or form agree to donating {$2400.00}. 
I immediately called XXXXGoldman Sachs and filed at report. The reporting process to XXXX/Goldman Sachs begun at XXXX on XX/XX/XXXX. I asked XXXXGoldman Sachs to stop the transaction from posting, they informed me they were required to allow it to post in order to review it for fraud. 
On XX/XX/XXXX at XXXX, I filed a police report. The outcome of the report was that I was a victim of deceptive practice. I was informed this scam was being reported many times throughout XXXX. 
On XX/XX/XXXX at XXXX, I provided XXXXGoldman Sachs with Victim Notice Information from the XXXX police department XXXX 
On XX/XX/XXXX at XXXX, I was informed via email from Apple Card XXXX/Goldman Sachs Bank that the merchants charge would remain on my account because they stated : Based on available information, we determined the merchant charged you for the agreed upon amount. 
On XX/XX/XXXX at XXXX, I again disputed this charge via appeal. 
On XX/XX/XXXX at XXXX I sent the original case incident report from the XXXX police department to Apple Card XXXX/Goldman Sachs Bank . This report included my testimony, event number, case number, and associated officers. 
On XX/XX/XXXX at XXXX, I was informed via email from Apple Card XXXX/Goldman Sachs Bank that the merchants charge would remain on my account because they stated : We further investigated the dispute and reviewed any additional information that may have been provided. Based on our review, the original decision will remain because there is no evidence to substantiate the claim. 
On XX/XX/XXXX at XXXX, I again disputed this charge via appeal. 
On XX/XX/XXXX at XXXX, I was informed via email from Apple Card XXXX/Goldman Sachs Bank that the merchants charge would remain on my account because they stated : We further investigated the dispute and reviewed any additional information that may have been provided. Based on our review, the original decision will remain because there is no evidence to substantiate the claim On XX/XX/XXXX at XXXX, I again disputed this charge via appeal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Name : XXXX XXXX Date Of Birth : XX/XX/XXXX Social Security Number : XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX LA XXXX XXXX TransUnion, XXXX  XXXX Experian ( ID XXXX ATTACHED BELOW ) Date : XX/XX/XXXX URGENT MATTER I intend to challenge a dispute with an FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. Items listed above have violated my rights. 
XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 
XXXXUSC XXXX. Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not. directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section XXXX of this title. 
( b ) Opt out ( XXXX ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless-1 ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information may be disclosed to such third party, XXXX. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party, and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
XXXX U.S.C. XXXX ( AN ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


Remove XXXX Accounts Listed Below : XXXX. XXXX XXXX XXXX * * * *, Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX * * * *, Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX * * * *, 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 explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I opened a Wells Fargo account and had money deposited into it. Wells Fargo closed my account and said they will not do business with me. After calling and asking for more information, I was told they suspected a scam and were withholding the funds while investigating. This was in late XX/XX/year>. I as well as the depositors have been trying to either have the money released to me or have it returned to them. I Wells Fargo has been telling me, they will not release the money to me while telling one of the individuals and their bank, XXXX, that they distributed the funds to me but I am refusing to return the money. This is a lie. I found out yesterday after hearing a recorded call with XXXX bank and one of the depositors that has been helping me. I believe Wells Fargo is discriminating against us because we are all XXXX XXXX XXXX XXXX. They think we dont know our rights or something. I am very frustrated and need help resolving this. It is almost XXXX and we still have not resolved this issue. If anything, I am discovering that Wells Fargo is being fraudulent and lying about me to other banks.

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 2025-05-28 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: CA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under XXXX U.S. Code XXXX ( XXXX ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( XXXX  ) and Fair Debt Collection Practices Act ( XXXX  ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per XXXX U.S. Code XXXX ( Civil Liability for Willful Noncompliance ) and XXXX U.S. Code XXXX ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, XXXX U.S. Code XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of XXXX U.S. Code XXXX ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating XXXX U.S.C. XXXX ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The accounts listed are not mine and were unauthorized : 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 explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The accounts listed are not mine and were unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The accounts listed are not mine and were unauthorized : 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 explanation
Consumer complaint received 2025-05-28 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported XXXX payment remarks on my accounts is a breach of the XXXX XXXX XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-28 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: MI

Complaint narrative:
Re : Inadequate Response from Equifax to CFPB Complaint Failure to Provide Method of Verification for XXXX XXXX XXXX To Whom It May Concern, This is an urgent escalation regarding CFPB Complaint # XXXX initially submitted on XX/XX/2025, against Equifax for XXXX to validate a disputed collection account from XXXX XXXX XXXX XXXX 

Equifax has now closed my complaint with a generic identity verification request despite having already verified my identity through prior disputes and letters sent weeks earlier. 

This is not a good faith response under FCRA Section XXXX ( a ) ( XXXX ). I issued a Method of Verification ( XXXX  ) request demanding documentation of the investigation and the data source Equifax used to verify the XXXX XXXX XXXX account. Equifax has failed to provide : Any investigation summary Source or name of the furnisher Copy of the records used to verify the data A response from XXXX XXXX XXXX itself KEY VIOLATIONS : Failure to provide MOV documentation under FCRA XXXX Reporting inconsistency across bureaus = XXXX XXXX violation : Equifax lists " XXXX XXXX XXXX '' ( XXXX XXXX, MN ) XXXX  lists " XXXX XXXX XXXX '' ( XXXX, MN ) XXXX  lists " XXXX XXXX XXXX '' ( XXXX, MN ) Returned mail from XXXX XXXX XXXX = failed furnisher contact Mail sent to XXXX XXXX was returned undelivered, confirming their inability to validate. 

Attached Exhibits : Exhibit A : Equifax report XXXX XXXX XXXX XXXX ( XXXX XXXX, MN ) Exhibit B : XXXX  report XXXX XXXX XXXX XXXX ( XXXX, MN ) Exhibit C : XXXX  report XXXX XXXX XXXX XXXX ( XXXX, MN ) Exhibit D : Photo of returned envelope from XXXX XXXX Exhibit XXXX : Screenshot of personal details attached to CFPB Complaint that match credentials i sent in letters weeks before This issue is blocking urgent funding and financial obligations. I am requesting a formal CFPB review and immediate enforcement action against Equifax for non-compliance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief