vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Upon reviewing my Experian credit report, I discovered several unauthorized inquiries that I did not consent to, which appear to be inaccurately reported. Despite my efforts to resolve this issue directly with Experian through a formal dispute sent on XX/XX/XXXX, the inquiries still remain on my report. 

These unauthorized inquiries include, but may not be limited to : 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 XX/XX/XXXX and XX/XX/XXXX These inquiries were reported without my knowledge or approval, and my requests for Experian to provide proof of authorization have not been met with any substantial response or documentation, indicating a potential breach of FCRA requirements regarding permissible purpose and the accuracy of reported credit activities.

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 2025-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: FISERV FINXACT CORE
State: NJ

Complaint narrative:
I am XXXX and receive a temporary XXXX payment from XXXX XXXX XXXX XXXX XXXXXXXX. They issued me a debit card through XXXX XXXX XXXX 
on XX/XX/year>. Today I tried to transfer the total amount on the debit card to my checking account using my account number and routing number which was accepted according to the online application I downloaded to my phone according to the instructions that came with the card after activating it. I received several invalid action notices on my phone. This morning, XX/XX/year>, I called the customer service number and spoke with the agent who did not know how to help. She transferred me to her supervisor upon my request who said the same thing. I asked to speak to her manager who didnt know which one was available. The manager did call me back an hour later to tell me she couldnt answer my question and due to my repeated attempts to access my money was locked out of my account! 
I need to pay my bills with my money now otherwise I will be assessed late fees. For this process to take weeks for any reply is ridiculous! 
This is my money. The takeaway is hurry up and wait!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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:
I am writing to request a investigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i ( a ) ( 5 ) - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate.

Below are the accounts I am requesting to be investigated : __Account Number : [ XXXX XXXX XXXX acct # XXXX ] __ Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA , I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law.

It has come to my attention that there are errors on my credit report. Case law in Cushman vs. Trans Union, courts ruled that information may not seem to be parroted and that a reasonable investigation must take place upon receipt of a consumer complaint. According to the FCRA, when a credit reporting agency receive a dispute the CRA must prove it or remove it. 
Failure to comply with these requirements within 30 days will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and Attorney Generals Office. I reserve the right to pursue legal remedies, including damages and attorneys fees, under Sections 1681n, 1681o, and 1692 for any harm caused by noncompliance.

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 2025-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a wells fargo account and I received an inheritance in XXXX and I kept getting strange calls about my new account. It was very suspicious. I think they ripped me off. Is there anything I can do about it? It was a long time ago. I read that they did a lot of illegal activities around that time, so I wondered about all those calls I was receiving.

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 2025-04-07 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: CA

Complaint narrative:
I am submitting this complaint as a victim of identity theft regarding a fraudulent auto loan account that was added to my credit report without my knowledge, authorization, or consent. This account is listed under XXXXXXXX XXXX XXXX XXXX and reflects activity that I did not initiate or approve. 

According to my credit report, the account was opened on XX/XX/XXXX, and marked as charged off as of XX/XX/XXXX, with the following details : {$8700.00} written off {$6400.00} past due A recent payment reported as {$13000.00} on XX/XX/XXXX This account is entirely fraudulent. I have never applied for or financed a vehicle through XXXXXXXX XXXX XXXX XXXX. I did not sign any loan documents, authorize a credit inquiry, or receive any communication related to this account prior to it appearing on my credit report. 

I discovered this account while reviewing my credit report and have since filed a police report and a formal FTC Identity Theft Affidavit, both of which are available upon request. I am actively exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires credit reporting agencies to block fraudulent information within XXXX business days upon receiving a valid identity theft report. 
FCRA 611 ( 15 U.S.C. 1681i ) : Grants consumers the right to dispute inaccurate items and demand debt verification. 
FCRA 623 ( 15 U.S.C. 1681s-2 ) : Obligates furnishers to conduct a full investigation and correct or delete any inaccurate, unverifiable, or fraudulent information. 
FCRA 616 ( 15 U.S.C. 1681n ) : States that if any institution willfully fails to comply with these requirements, they may be liable for statutory damages of {$1000.00} per violation. 

To date, I have not received any signed contract or verifiable documentation that proves I authorized this account. Reporting and verifying false information especially after being informed of identity theft is not only a violation of federal law but exposes the company to civil liability. 

I demand that this fraudulent XXXXXXXX XXXX XXXX XXXX  account be immediately deleted from all credit reporting databases, and that no further attempts to collect, verify, or re-report this debt be made. I expect confirmation of deletion and proper investigation to be completed in full compliance with the 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 2025-04-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint as a victim of identity theft regarding a fraudulent auto loan account that was added to my credit report without my knowledge, authorization, or consent. This account is listed under XXXXXXXX XXXX XXXX XXXX and reflects activity that I did not initiate or approve. 

According to my credit report, the account was opened on XX/XX/XXXX, and marked as charged off as of XX/XX/XXXX, with the following details : {$8700.00} written off {$6400.00} past due A recent payment reported as {$13000.00} on XX/XX/XXXX This account is entirely fraudulent. I have never applied for or financed a vehicle through XXXXXXXX XXXX XXXX XXXX. I did not sign any loan documents, authorize a credit inquiry, or receive any communication related to this account prior to it appearing on my credit report. 

I discovered this account while reviewing my credit report and have since filed a police report and a formal FTC Identity Theft Affidavit, both of which are available upon request. I am actively exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires credit reporting agencies to block fraudulent information within XXXX business days upon receiving a valid identity theft report. 
FCRA 611 ( 15 U.S.C. 1681i ) : Grants consumers the right to dispute inaccurate items and demand debt verification. 
FCRA 623 ( 15 U.S.C. 1681s-2 ) : Obligates furnishers to conduct a full investigation and correct or delete any inaccurate, unverifiable, or fraudulent information. 
FCRA 616 ( 15 U.S.C. 1681n ) : States that if any institution willfully fails to comply with these requirements, they may be liable for statutory damages of {$1000.00} per violation. 

To date, I have not received any signed contract or verifiable documentation that proves I authorized this account. Reporting and verifying false information especially after being informed of identity theft is not only a violation of federal law but exposes the company to civil liability. 

I demand that this fraudulent XXXXXXXX XXXX XXXX XXXX  account be immediately deleted from all credit reporting databases, and that no further attempts to collect, verify, or re-report this debt be made. I expect confirmation of deletion and proper investigation to be completed in full compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent a letter earlier about the errors and unknown items on my credit report, but I haven't heard back in over 30 days. It feels like my disputes are being ignored, and I'm starting to feel taken advantage of. According to Section 611 ( a ), if these items aren't investigated within 30 days, they should be removed from my credit report immediately. I expect these accounts to be updated right away since the deadline has passed. If that doesn't happen, I might have to consider legal action because this situation has really stressed me out. Plus, my info was affected by the XXXX, XXXX, and Transunion data breach, which makes me worry about my personal data 's security.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 non-monetary relief
Consumer complaint received 2025-04-08 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: TX

Complaint narrative:
I recently pulled my credit report to purchase a home and noticed that XXXX and XXXX XXXX XXXX are both showing an inaccuracy in my loan records, violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: TX

Complaint narrative:
I recently pulled my credit report to purchase a home and noticed that XXXX and XXXX XXXX XXXX are both showing an inaccuracy in my loan records, violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection regulations.

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 2025-04-08 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: MOHELA
State: TX

Complaint narrative:
I recently pulled my credit report to purchase a home and noticed that Mohela and Missouri Higher Education are both showing an inaccuracy in my loan records, violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection regulations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: TX

Complaint narrative:
I am writing to formally dispute and request the removal of the following accounts from my XXXX credit report, as they violate my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681 and related provisions. 



Accounts in Question : 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  These accounts have violated my rights to privacy and confidentiality under 15 U.S. Code 1681, and the information re ported is incomplete, inaccurate, or unverifiable. 



Upon reviewing my XXXX credit report on XXXX XXXX XXXX, I found that these accounts do not comply with the FCRAs requirements. Specifically : 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) mandates that if an account is found to be inaccurate, incomplete, or unverifiable after reinvestigation, the agency must promptly delete or correct the item and notify the furnisher. 

15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) states that a furnisher shall not provide information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. 



Despite these federal mandates, the accounts listed above remain on my report without proper validation or correction. I have taken steps to dispute this information, and no sufficient verification or investigation has been conducted to meet legal standards.

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 2025-04-07 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: TX

Complaint narrative:
I am writing to formally dispute and request the removal of the following accounts from my XXXX credit report, as they violate my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681 and related provisions. 



Accounts in Question : 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  These accounts have violated my rights to privacy and confidentiality under 15 U.S. Code 1681, and the information re ported is incomplete, inaccurate, or unverifiable. 



Upon reviewing my XXXX credit report on XXXX XXXX XXXX, I found that these accounts do not comply with the FCRAs requirements. Specifically : 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) mandates that if an account is found to be inaccurate, incomplete, or unverifiable after reinvestigation, the agency must promptly delete or correct the item and notify the furnisher. 

15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) states that a furnisher shall not provide information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. 



Despite these federal mandates, the accounts listed above remain on my report without proper validation or correction. I have taken steps to dispute this information, and no sufficient verification or investigation has been conducted to meet legal standards.

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 2025-04-07 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this statement in response to the ongoing investigation regarding my dispute of inaccurate late payment information being reported by Equifax from XXXX XXXX XXXX XXXX, accounts ending in XXXX and XXXX. 

I initially disputed this account because the reported late payments are not only incorrect, but they also do not follow a logical sequence. Specifically, the payment history indicates a XXXX to XXXX, and back to XXXX late progression in a manner that is impossible and inconsistent with actual account activity. In addition, charge-offs off 's being recorded for XXXX years. According to the Fair Credit Reporting Act ( FCRA ), all information furnished to credit reporting agencies must be accurate and complete. The current reporting violates this requirement and must be removed. 

After receiving a letter from Equifax requesting identification, I promptly complied by uploading a copy of my drivers license and a recent piece of mail to verify my address. I also spoke with Equifax by phone to complete their identity verification process and confirm that my address was updated and correct. 

Despite my good-faith effort to initiate and follow through with the dispute process, the inaccurate payment sequence continues to appear on my credit report. This strongly suggests that Equifax did not conduct a proper or reasonable investigation into my dispute, as required under the FCRA. 

Given the clear inaccuracies and lack of appropriate response from Equifax, I am requesting that these accounts be REMOVED. If the data can not be verified accurately and in full compliance with the FCRA, it must be removed from my credit file. 

Thank you for your time and attention to this matter. I am requesting your assistance in ensuring my consumer rights are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: FL

Complaint narrative:
I was surprised to find multiple accounts on my credit report that I have no knowledge of. These accounts were not opened or authorized by me, yet they are being reported under my name, creating a completely false and misleading credit profile. I need to know why this has happened and how these errors can be corrected immediately.

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