vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Wells Fargo regarding the abrupt and unjustified closure of my accounts, as well as the severe financial and reputational harm caused by their actions. 

Without any clear explanation, Wells Fargo closed all of my accounts, citing vague suspicious activity. This issue arose immediately after I attempted to deposit a legitimate paycheck from a reputable company I worked for. Additionally, they closed my credit card after erroneously double-charging my checking account. 

As a result of their actions, I experienced : Financial Hardship : Wells Fargo held my remaining funds for three months before finally issuing a check. This caused significant disruptions to my financial stability. 
Damage to My Credit Score : Closing my credit card without cause negatively impacted my credit history. 
Harm to My Professional Reputation : The problems with my paycheck deposit led to unnecessary complications at work. 
Poor Customer Service : Reaching Wells Fargo representatives was time-consuming, and most interactions failed to provide any resolution or meaningful assistance. 

Wells Fargos handling of my accounts has been nothing short of a nightmare, creating undue stress and financial discomfort for me and my family. Given my experience, I would strongly discourage anyone from banking with Wells Fargo. I urge the Better Business Bureau to investigate this matter and hold Wells Fargo accountable for their unjust actions. 

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 2025-02-08 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: NV

Complaint narrative:
the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts I mark as inaccurate 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 non-monetary relief
Consumer complaint received 2025-02-08 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: NM

Complaint narrative:
Im writing out of sheer frustration because Ive noticed consistent inaccuracies in my report that are seriously impacting my scores. These errors arent just numbers on a page; theyre affecting my future opportunitieswhether its access to better financing options or even job-related prospects. Its exhausting to keep seeing mistakes that Ive had no control over damage my credibility and limit my progress. Ive worked too hard to let incorrect information pull me backward.

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 2025-02-08 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: Experian Information Solutions Inc.
State: DE

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

Account Name : 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is a fraudulent account under Auto Loans that was obtained though forgery and identity theft. My signature was forged on contracts and vehicle registration. I was not notified or aware that it was fraud until delinquent payments surfaced while a mortgage lender was reviewing my credit. I have tried to call the creditors to explain but it was futile. I am working with 2 police departments and have filed at both. So far, I've only obtained an initial report from one. I have talked to the lenders of the vehicle along with the dealership where it was purchased. I have been trying to rectify this situation with the creditors to no avail. My credit is severely damaged and I have lost earnest money that was put forth on the house I was about to purchase. The house was going to be our new home after our recent house fire ; however, we ( my husband and kids ) can't even rent a home at this point because of this horrible situation. All of this occurred right before the closing date of the new home. The creditors have not removed this account from my credit report and I can not update the recent dispute I have with the creditors to update them on the matter with evidence supporting my claim. The comment I left on my first dispute was incorrect and I can't fix that either. The vehicle will be repossessed and sent to my credit report before the dispute has even cleared, causing me and my family further damage.

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 2025-02-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint against Experian for failing to remove inaccurate and incomplete information from my credit report, despite my repeated attempts to dispute these errors through online, phone, and mail disputes. 

Experian has failed to conduct a proper investigation into my disputes, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). Consumers have the right to an accurate credit report, yet Experian continues to report erroneous information even after multiple dispute attempts. This is a systemic issue that affects many consumers, as evidenced by the Consumer Financial Protection Bureaus ( CFPB ) recent lawsuit against Experian for conducting sham investigations of consumer disputes ( source : CFPB Sues Experian for Sham Investigations of Credit Report Errors, Consumer Financial Protection Bureau ). 

This lawsuit highlights Experians failure to uphold its legal obligations, further supporting my claim that Experian has not fulfilled its duty to ensure credit report accuracy as required under the Fair Credit Reporting Act ( FCRA ). 

Disputed Accounts That Must Be Immediately and Permanently Removed : 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

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 2025-02-08 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: VA

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I have contacted Resurgent Capital Services, L.P. to address a debt that was incorrectly attributed to me. Despite my efforts to resolve this issue, the debt remains on my credit report, and it is impacting my financial standing. I have provided the necessary documentation to prove that the debt does not belong to me and have requested that the company promptly correct this error. After many attempts, I see the company is not removing this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I filed bankruptcy that has been discharged since XXXX> and I have contacted transunion, Equifax and Experian since 2022 and I have disputed this for years and it keeps coming back verified Ive contacted the is bankruptcy court and the court doesnt report to any credit agencies therefore my information was obtain without my consent or permission and I want it deleted immediately I did not authorize my personal information to be 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 explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
XXXX XXXX XXXX I am writing to formally notify you that I have been a victim of identity theft. Unauthorized accounts were fraudulently opened in my name. I have filed a police report and submitted an identity theft report with the Federal Trade Commission ( identitytheft.gov ). 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that these fraudulent accounts be removed from my credit report immediately. Please find the attached copies of my police report and FTC report for your records. 

Kindly confirm receipt of this request and provide an update on the removal process at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There was a data breach amongst credit bureaus that my information was leaked. I believe my credit information has been compromised and not accurate throughout all bureaus. I need my history fixed asap.

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 2025-02-08 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: TX

Complaint narrative:
15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTIS. 

XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint XXXX attached ).

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 2025-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Today, I noticed some incorrect accounts appearing on my credit report, and I have no explanation for their presence. I routinely monitor my credit report, yet this time, I encountered unexpected discrepancies. Assuming it might be a simple glitch, I refreshed my browser, but nothing changed. Due to this issue, I am asking for a careful examination of the documents I sent so I wont have to worry about this again.

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 2025-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I was a victim of the XXXX data breach and verified this information on their official website at XXXX. As a result, I discovered that PORTFOLIO RECOV ASSOC had an account in my name that was verified but does not belong to me. 
On XX/XX/2025, I sent them a formal dispute letter via certified mail regarding this matter. They received my dispute on XX/XX/2025. Despite my dispute, on XX/XX/2025, the balance on the account was updated, and the account status was changed to " Account information disputed by consumer ( meets requirements of the FCRA ). '' I am disputing this account because I have no knowledge of it, and I believe it is fraudulent. I am requesting that this account be fully investigated and removed from my credit report as it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # 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 SRV # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 2025-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I am writing to demand that you immediately cease and desist all communication with me regarding the alleged debt you claim I owe. Additionally, I am formally requesting validation of the alleged debt under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). 
It has come to my attention that your company failed to provide a written notice of this alleged debt within five ( 5 ) days of initial contact, as required by 15 U.S.C. 1692g ( a ). Furthermore, I never provided consent for you to contact me regarding this matter. Until you provide proper verification, I dispute this debt in its entirety. 
As part of the validation process, I request the following : 1. Proof of the Original Debt : A copy of the original signed contract or agreement demonstrating that I legally owe this debt.

2. Payment History : A complete account statement from the original creditor detailing payments, interest, fees, and the calculation of the current balance.

3. Chain of Assignment : A clear and complete record of ownership, including copies of any assignment or transfer agreements showing how and when this debt was sold or transferred to your agency.

4. Legal Authority to Collect : Proof that your agency is legally authorized to collect this debt in my state, including your debt collection license number. 
Until you provide this documentation, I do not recognize or acknowledge this debt as valid. If you can not provide adequate verification, I demand that you cease all collection efforts immediately and remove any related negative information from my credit report. 
Should you fail to comply with this request or continue collection efforts without proper validation, I will take the following actions : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 
Pursue legal action for violations of my consumer rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

Please confirm in writing within 30 days of receipt that you will comply with this request

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: PA

Complaint narrative:
This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea how it got there. I routinely check my credit report, but this time, I noticed unexplained discrepancies. I even tried refreshing my browser, thinking it might be a glitch, but the issue remained. This situation is extremely frustrating, and I need the documents Ive submitted to be thoroughly reviewed so I can finally have peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: FL

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to request an investigation of the following information that appears on my report. I have NEVER opened or used the following accounts I'm a victim of identity theft. since this is not my information and accounts has been reporting since XXXX as showed on the attached identity report affidavit, i want all items deleted immediately or my next resort will be litigation. again i will list these fraudulent accounts here this is a serious concern and my rights are not being honored. 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Opened XX/XX/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 non-monetary relief