vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 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: LA

Complaint narrative:
Consumer Name XXXX XXXX XXXX, Consumer 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 XXXX ( XXXX U.S.C. XXXX ) 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an credit card account opened at XXXX XXXX XXXX VT on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a collection account opened at XX/XX/XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX  XXXX XXXX on XX/XX/XXXX under the account number XXXX,, a collection account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number 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 XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company 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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing XXXX inquiry fraudulent from my Transunion Credit Report : XXXX XXXX XX/XX/year>. Listed XXXX do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to fi le an identity theft report for deletion. I am requesting Transunion to mark this inquiry as fraudulent and remove from my Credit 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 2025-02-12 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: NE

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: MI

Complaint narrative:
violation of section 604 15 USC code 1681XXXX. 
Please remove from my credit report XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit 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 2025-02-12 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: MI

Complaint narrative:
violation of section 604 15 USC code 1681XXXX. 
Please remove from my credit report XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: TX

Complaint narrative:
Description of the Issue : Incorrect account information/Not reporting correctly On XX/XX/year>, I noticed multiple accounts on my credit report that are reporting inaccurately. These accounts include [ list the accounts or the nature of the inaccuracies, such as incorrect balances, payment history errors, or accounts that do not belong to you ]. 
I have disputed these accounts with the credit reporting agencies on [ insert dates of your disputes ], but the inaccuracies have not been resolved, and the accounts remain on my report. 
Actions I Took : I filed disputes with Equifax, Experian, and TransUnion on XX/XX/year> The issues remain unresolved despite submitting all the necessary documentation to support my disputes. 
I have also contacted [ company names if specific creditors are involved ] to inform them of the discrepancies and request removal, but I have not received a satisfactory response or resolution. 
Legal Violations : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes within 30 days and remove any information that can not be verified as accurate. The failure to remove or correct these inaccurate accounts violates my rights under this law. 
Resolution Sought :

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 2025-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
**Subject : Formal Response to CFPB Complaint Demand for Immediate Action** To Whom It May Concern, I am writing in response to your letter dated XXXX XXXX XXXXXX/XX/year>, regarding my Consumer Financial Protection Bureau ( CFPB ) complaint. Your response is both inadequate and unacceptable. It is your legal obligation under the **Fair Credit Reporting Act ( FCRA ) ** to conduct a fair and thorough reinvestigation of disputed information, yet you are attempting to shift the burden onto me without even acknowledging the details I have already provided.

To be clear : I **demand an immediate and comprehensive reinvestigation** of the disputed record ( s ) as required by **15 U.S.C. 1681i ( a ) ** of the FCRA. The failure to conduct such an investigation within the legally mandated timeframe will be considered a violation of federal law. 
Here is what I require from Early Warning **without delay** : 1. A detailed and itemized explanation of the specific record ( XXXX ) that you claim are in dispute. Your letter fails to provide any clarity, which suggests an attempt to evade accountability. 
2. Proof that the financial institution reporting this information has verified its accuracy and validity. Under the FCRA, it is your responsibility to **independently verify** disputed records, not simply rely on unverifiable or outdated data.

3. Immediate removal of any inaccurate, unverified, or outdated information. If the reporting financial institution can not provide **documentary proof**, the law requires that the disputed record ( XXXX ) be deleted **immediately**. 
4. A formal response confirming that your agency is complying with all FCRA regulations, including my right to seek damages for any failure to investigate this dispute in good faith.

Furthermore, should you fail to comply with your obligations under the FCRA, I am prepared to escalate this matter **immediately** through the CFPB, the Federal Trade Commission XXXX FTC ), and, if necessary, through legal action. I will not tolerate any attempt to obstruct or delay my right to accurate consumer reporting. 

You have **30 days** from the date of this letter to complete your reinvestigation and provide a written response detailing the resolution of this dispute. If I do not receive an appropriate resolution within this period, I will pursue all legal remedies available to me under federal law. 

I expect an immediate acknowledgment of this dispute, along with confirmation that my request is being processed. If you fail to comply, you will leave me no choice but to take further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: GA

Complaint narrative:
You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.

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 2025-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NV

Complaint narrative:
Mohela is trying to collect student loan payment for XXXX. which was closed down by the federal goverment for misleading and illegal actions. I HAVE never done ANY OR HAVE DEALING WITH Mohela or signed any paperwork stating i will. I have asked for proof more than five times. On my credits reports it shows i owe both moheal and navient. 
I DONT BELEVIE THIS LEGAL IN ANYWAY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened an account with them and then they closed it. When I called them, they refused to give a reason, but said they would refund me, see ATTACHED letter. I then wrote them a couple of months later and they ignored me, see XXXX. I then e-mailed the XXXX  and he ignored me, see ATTACHED. I have been on the phone with them about once a week for the past month for hours, and still they refuse to refund, giving no explanation other than procedure. Now they have charged me monthly maintenance fees, see XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: CA

Complaint narrative:
On XX/XX/XXXX I used my Wells Fargo Bank ATM card is a XXXX XXXX ATM in XXXX XXXX XXXX to withdraw XXXX XXXX Pesos. During the transaction process I was shocked to see how high the fees would be so I canceled the transaction before the cash was dispensed. I received back my ATM card and XXXX XXXX. 

However my Wells Fargo Bank checking account was deducted {$150.00}. When I discovered this I called Wells Fargo the following week to dispute this charge. This was made under Claim # XXXX. In the meantime they credited my account the {$150.00}. 

Fast forward to XX/XX/XXXX ( over 3 months ) I was notified by letter that they completed their investigation and that there was no error. Wells Fargo has deducted the {$150.00} from my account. 

I called in today, XX/XX/XXXX to find out more information. I was told that the other bank replied and told Wells Fargo that there was no error. There was no further information supplied such as video surveillance, etc.

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 2025-02-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: CT

Complaint narrative:
I have tried to contact this debt collector numerous times and reported this to XXXX 4 times they did not investigate. 
This goes back to XXXX. The agency are trying to collect a debt thats not even associated with my name. I have a copy of the original tenant agreement that they are trying to collect on and it doesnt contain mine or my XXXX  signature. We did not sign any lease we lived there temporarily for XXXX XXXX while the tenants were away, then we left. As of recent this debt is showing up as a duplicate on my credit report i.e its being shown twice for the same amount. I sent the company a letter in XXXX asking them to furnish evidence of my name associated with the debt and they did not respond. Ive sent emails and duplicate letters which have also gone unresponded. But I recieved a letter offering me a discount on the total debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
Impacted by theft and fraud and cashapp closed my account after using for over XXXX XXXX for no reason; stating I violated the terms, requested investigation and asked for supporting evidence and nothing happened but an email stating it was a final decision. I have had ongoing issues with this platform which caused me to pay for monthly reoccurring credit monitoring systems, utilizing credit freezes, and hours of lost time trying to resolve this matter with no recourse and I could not pull my money out of the system even though they said we could. Stated I violated the terms but could not provide the terms or how I violated them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: TX

Complaint narrative:
XXXX - XX/XX/year> to all credit bureaus Transunion, Equifax and Experian. I have each confirmation number for each I have disputed all negative reports on my credit report. And have requested for each be removed immediately. 15 U.S.C. 1681e ( b ) is part of the Fair Credit Reporting Act ( FCRA ), which governs the collection, dissemination, and use of consumer information, including consumer credit information. This particular section addresses the requirements for assuring maximum possible accuracy in consumer reports.

Specifically, 1681e ( b ) states that a consumer reporting agency must follow " reasonable procedures to assure maximum possible accuracy '' of the information concerning the individuals about whom they report. If a consumer reporting agency fails to meet these standards and the information provided results in an inaccurate consumer report, it may be liable for any damages suffered by the individual as a result of that inaccuracy.

In summary, 15 U.S.C. 1681e ( b ) is designed to protect consumers by mandating that credit reporting agencies take steps to ensure the accuracy of the information they provide. If you need more specific details or have specific questions related to this statute, feel free to ask!

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 2025-02-12 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: MN

Complaint narrative:
Hey, I went over my consumer report, and I noticed some hard inquiries that I didn't authorize, or l do not have knowledge of. I have called several times and let the credit reporting agencies and the companies know that the inquiries in the document included below are fraudulent and they have yet to be removed. They are not to supposed to be visible on my credit report. I never gave them permission nor written consent to report or to authorize the inquiry. By law this is aggravated identity theft. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally request the removal of a fraudulent inquiry that appears on my credit report. I recently reviewed my credit report and noticed an fraudulent inquiry. Inquiry name and date is Inquiry to remove XXXX XXXX XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: MA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer 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 Equifax 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 a phone account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX. This account has resulted in fraudulent hard inquiries and fraudulent collection 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 # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: GA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-12 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: SC

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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