vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 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 REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells fargo home mortgage illegally removed funds from my bank account to pay fraudulent charges of add ons that were never known to me for 111 months time. 3 different add ons. Theu committed fraud and identity theft by doing so.

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 2025-03-20 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: OH

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 personal credit card account opened at XXXX & XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$17000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
On XX/XX/year> I paid my hairdresser, XXXX, {$170.00} for her services. She received this payment. On XX/XX/year> I noticed an extra payment for {$170.00} through XXXX  ( which I use through XXXX online ) was sent to XXXX again without my initiation or authorization. I checked with XXXX who looked through her accounts and she did NOT receive this payment. It is unclear to both of us where this money went. I called XXXX bank to inquire about the incorrect XXXX  transaction. This started an investigation as to where the money went. On XX/XX/year> XXXX bank returned the money to my account and sent me a letter to notify me. On XX/XX/year> XXXX sent me another letter stating that they had determined that the {$170.00} should be taken back out of my account and on XX/XX/year> that money was withdrawn. I have spoken with 2 different bankers at my XXXX location without any success. I called XXXX  at the phone number the bank gave me, they were very uncooperative and said they would not be doing any investigation, nor returning my money. On XX/XX/year> XXXX sent me a 3rd letter stating that " no action will be taken and this inquiry is now resolved ''. I am still out the {$170.00} that was wrongly taken out of my checking account. My hairdresser, XXXX XXXX has offered to meet me at XXXX bank ( also her bank ) but the banker at XXXX Bank said it would not change anything at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: IL

Complaint narrative:
XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX, IL, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] Re : Dispute of Debt XXXX XXXX. XXXX Account Number : [ ] Dear [ The XXXX XXXX XXXX XXXX ], I am writing to formally dispute the validity of the debt you have claimed I owe, as stated in your [ letter/notice ] dated [ Date of Notice ]. I am requesting verification of the debt pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). Please provide me with the following information : The amount of the alleged debt. The name of the creditor to whom the debt is owed. Detailed verification of the debt, including a copy of any agreement or contract that I allegedly signed, which acknowledges this debt. Documentation showing that you have the legal right to collect this debt, including proof of any assignment or transfer of the debt to your agency. Under 15 U.S.C. 1692g, you are required to cease all collection activities until the debt is properly verified. I request that you send me all relevant documentation in writing. Please note that I am requesting the verification in good faith, as I believe this debt may not be valid or may have been reported in error. If you fail to provide the requested verification within 30 days, I request that you cease all collection activities regarding this matter, as outlined in the FDCPA. Thank you for your attention to this matter. I look forward to receiving your verification of the debt as soon as possible. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: MI

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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 A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

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 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc.
State: AL

Complaint narrative:
Subject : Request for Debt Validation Account Number ( if available ) : XXXX To Whom It May Concern : I am writing regarding an alleged debt. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this alleged debt. 

Specifically, I request that you provide the following : The original creditor 's name and address. 
The original account number. 
A copy of the original contract or agreement that created this debt. 
Documentation showing that I am legally obligated to pay this debt. 
An itemized accounting of the amount you claim I owe, including the principal, interest, fees, and any other charges. 
Proof that you are licensed to collect debts in my state. 
Please provide this information within 30 days, as required by the FDCPA. 

Please be advised that until this debt is validated, I dispute the validity of this debt. 

Please cease all collection activity until you have provided the requested validation. 

This is not a refusal to pay, but a formal request for verification under my rights according to federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: MD

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of XXXX XXXX, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Dear CFPB Representative, I am writing to formally dispute inaccuracies in my credit report, which I obtained from XXXX. The report contains several discrepancies that I believe violate the Fair Credit Reporting Act ( FCRA ). Below, I have outlined the specific issues I have identified : XXXX. **Inconsistent Name Listings** : My credit report lists my name as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This inconsistency could lead to confusion regarding my identity and XXXX XXXX shell be the only name on my report 2. **Address Discrepancies** : The report lists multiple addresses, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  should be the only address on my report It is unclear which addresses are current or outdated, and this lack of clarity could misrepresent my residency history. 

3. **Employment Status** : The report states " NOT EMPLOYED, '' yet it also lists a previous employer, the XXXX XXXX XXXX XXXX XXXX without specifying dates of employment. This may mislead potential creditors regarding my employment status. I am not employed anything that says I am employed or have an active duty status is inaccurate. Please delete unemployed on should show to all 3 Bureaus 4. **Future Dates** : The report includes dates in the future XXXX XXXX XXXX XXXX XXXX XXXX This is not possible for a credit report, as it should only reflect past and current information.

5. **Missing Employment Details** : The employment section lacks specific details regarding my job history, which may misrepresent my financial stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Dear CFPB Representative, I am writing to formally dispute inaccuracies in my credit report, which I obtained from XXXX. The report contains several discrepancies that I believe violate the Fair Credit Reporting Act ( FCRA ). Below, I have outlined the specific issues I have identified : XXXX. **Inconsistent Name Listings** : My credit report lists my name as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This inconsistency could lead to confusion regarding my identity and XXXX XXXX shell be the only name on my report 2. **Address Discrepancies** : The report lists multiple addresses, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  should be the only address on my report It is unclear which addresses are current or outdated, and this lack of clarity could misrepresent my residency history. 

3. **Employment Status** : The report states " NOT EMPLOYED, '' yet it also lists a previous employer, the XXXX XXXX XXXX XXXX XXXX without specifying dates of employment. This may mislead potential creditors regarding my employment status. I am not employed anything that says I am employed or have an active duty status is inaccurate. Please delete unemployed on should show to all 3 Bureaus 4. **Future Dates** : The report includes dates in the future XXXX XXXX XXXX XXXX XXXX XXXX This is not possible for a credit report, as it should only reflect past and current information.

5. **Missing Employment Details** : The employment section lacks specific details regarding my job history, which may misrepresent my financial stability.

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 2025-03-20 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: NY

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within 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 2025-03-20 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: GA

Complaint narrative:
PLEASE SEE LETTER ATTACHED. I discovered multiple online accounts that do not belong to me, and I believe they may be a result of identity theft or unauthorized access. These accounts appear to contain personal or financial information that I did not create or authorize. Im concerned that these accounts could be used for fraudulent activities or could have been created with my personal information without my consent. I would like to report this to the FTC to investigate potential misuse of my identity and prevent 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 non-monetary relief
Consumer complaint received 2025-03-20 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: IL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP
State: TX

Complaint narrative:
I purchased a done for you ecommerce service for {$17000.00} and split the bill across two cards from US bank and before they even got my return documents, which i mailed they closed it and reversed the credit. This is the amount of money that could bankrupt someone it is a lot of money it could take me years to pay off but i was scammed and frauded and they are not honoring their commitment to reverse the charge. I am extremely upset with them this is a really bad thing to do to someone they lied, I was conned and scammed and they are not honoring my claim

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 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Management Services, LP
State: TX

Complaint narrative:
Under 15 U.S.C. 1692g of the FDCPA, a debt collector must provide validation of a debt upon request. I exercised my right to request verification, yet Capital Management Services has failed to provide sufficient evidence proving the legitimacy of the debt, including the original signed agreement and itemized statements proving the amount owed. Additionally, under 15 U.S.C. 1681s-2 of the FCRA, furnishers of credit information are required to report only accurate and verifiable information. Reporting a charge-off without proper validation

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 2025-03-20 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: VA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: VA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: CA

Complaint narrative:
I am writing to formally file a complaint concerning a recent data breach that has adversely affected my financial accounts and led to delayed payments. Due to this breach, unauthorized parties gained access to my personal information, which disrupted my ability to manage my accounts and hindered my ability to make timely payments. The data breach has not only compromised my personal and financial security but has also caused me significant inconvenience and stress. I am requesting immediate action to address these issues, as well as additional information on any measures being taken to secure my accounts and prevent further disruptions.

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 2025-03-20 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: TX

Complaint narrative:
Hello, I am requesting an investigation into these accounts due to a potential misunderstanding regarding their accuracy on my credit report. These accounts were removed previously but have been re-added without my awareness. I did not receive any notification of their reinstatement, nor have I received any related correspondence by mail.

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