vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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 am requesting the immediate blocking and removal of unauthorized accounts from my credit report. I did not authorize or initiate these accounts and am unfamiliar with their origin. As stated under USC 1681g, I ask for their removal within the next 15 days. Enclosed are relevant documents for your review. There are also discrepancies, with different account details reported to each bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: PA

Complaint narrative:
I am requesting the immediate blocking and removal of unauthorized accounts from my credit report. I did not authorize or initiate these accounts and am unfamiliar with their origin. As stated under USC XXXXg, I ask for their removal within the next XXXX  days. Enclosed are relevant documents for your review. There are also discrepancies, with different account details reported to each bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Dear Wells Fargo and Consumer Financial Protection Bureau, I am writing to urgently escalate a long-unresolved issue regarding my closed Wells Fargo account ending in XXXX, which continues to hold over {$10000.00} of my funds with no resolution in sight. 

Background Three checks totaling {$14000.00} were deposited into my account via mobile deposit. These checks were legitimate. As is standard procedure, the physical checks were destroyed after the holding period. I retain only paper copies. 

Despite multiple efforts by both myself and the check issuer to address the situation, XXXX XXXX XXXX issuers bankhas refused to assist further, citing the time elapsed since deposit. Meanwhile, Wells Fargo continues to hold my funds, claiming it can not release them without the original checks. 

Key Point If there had been any fraud involved, these checks would have bounced or been reclaimed by the issuer. They have not. These were earned, legitimate payments, and I have not had access to the money I worked for. The ongoing hold is not only unjustifiedit is deeply unfair. 

Request for Resolution Given the circumstances, I respectfully request that Wells Fargo : 1. Accept the paper copies of the deposited checks as valid documentation.

2. Pursue any alternative legal or procedural avenues to release the funds given the unavailability of the original checks. 
XXXX. Provide an immediate and final resolution to this issue, including the release of all remaining funds. 

Conclusion This situation has caused prolonged financial hardship, and the refusal to release legitimately earned funds is unacceptable. I urge both Wells Fargo and the CFPB to intervene and help facilitate a just and swift resolution. Please advise if any further information is required from my side. 

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a victim of the Equifax XXXX XXXX please see attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: CA

Complaint narrative:
In accordance with Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name : kick off Account Number : XXXX Amount : {$80.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$490.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$970.00} Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Amount : {$10000.00} Account Name : XXXX XXXX XXXX. 
Account Number : XXXX Amount : {$0.00} Account Name : XXXX XXXX XXXX Account XXXX Amount : {$480.00} Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Amount : {$790.00} Account Name : XXXX CREDIT XXXX Account Number : XXXX Amount : {$820.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$1900.00} U.S.C 1681 Section 602 A. States I have the right to privacy U.S.C 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: CA

Complaint narrative:
In accordance with Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name : kick off Account Number : XXXX Amount : {$80.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$490.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$970.00} Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Amount : {$10000.00} Account Name : XXXX XXXX XXXX. 
Account Number : XXXX Amount : {$0.00} Account Name : XXXX XXXX XXXX Account XXXX Amount : {$480.00} Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Amount : {$790.00} Account Name : XXXX CREDIT XXXX Account Number : XXXX Amount : {$820.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$1900.00} U.S.C 1681 Section 602 A. States I have the right to privacy U.S.C 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: FL

Complaint narrative:
I'm writing to dispute a fraudulent account that has been reported under my name and appears on my credit report. This account is the result of unauthorized use of my identity, and I had absolutely no involvement in opening or using it. Let me be clear : I did not authorize this account, and I had no knowledge of it until reviewing my credit file. This is identity theft, plain and simple, and I will not be held responsible for someone else 's actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: NJ

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: NC

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: MI

Complaint narrative:
I am writing this complaint to request my consumer report. 

Upon reviewing my credit report file with XXXX, XXXX, and XXXX there is incorrect information you are furnishing to them. This is my attempt at fixing this problem. 

I want to ensure the information in my file is accurate and complete. I request that you promptly provide me with a complete consumer report. 

Please ensure that the information you are reporting is complete and accurate. If the information is not I request you verify and provide the source. If you do not this will escalate into a small claims suit. 

Thank you for your prompt attention to this issue. I look forward to your response and the resolution of this matter. 

Do not stall this complaint by stating you need my identification because I am attaching it to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: ME

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: NY

Complaint narrative:
This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy.I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations.I am disputing the following information directly with you, the furnisher of information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: TX

Complaint narrative:
What happened? 
In XX/XX/year>, I entered into a formal repayment agreement with XXXX for a charged-off credit card account. The agreement required monthly payments of approximately {$1500.00}, and I have made every payment on time since the plan began. Despite my full compliance, XXXX has continued to report my account as delinquent to the credit bureaus each month, showing 30/60/90+ day late notations after the repayment plan started. 
This inaccurate reporting is misleading and damaging. We are currently in the process of purchasing a home, and these false late marks have negatively impacted our credit score, resulting in increased loan costs and potentially jeopardizing our ability to close. 
XXXX previously responded to my CFPB complaint XXXX XXXX XXXX XXXX XXXX by stating they are required to report accurately, but they failed to acknowledge that reporting continued late payments while Im current under the new plan is not accurate and may violate the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: IL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: MO

Complaint narrative:
I received communication from XXXX XXXX XXXX attempting to collect on an alleged debt. Under the FDCPA ( 15 USC 1692g ( a ) ) and Regulation F ( 12 CFR 1006.34 ), they were required to send me a written notice of the debt within five ( 5 ) days of that initial contact.

I did not receive that written notice. As a result, I was not informed of the amount of the debt, the name of the creditor, or my right to dispute the debt within 30 days. This is a direct violation of federal law.

Despite this failure, they have proceeded to report this debt to one or more credit reporting agencies, which violates the Fair Credit Reporting Act ( FCRA ) because the information is unverified and incomplete.

I have sent a formal dispute to the credit bureaus and demanded that the debt collector validate the debt. Since they failed to meet the 5-day notice requirement, their reporting and collection activity is unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: MO

Complaint narrative:
I received communication from XXXX XXXX XXXX attempting to collect on an alleged debt. Under the FDCPA ( 15 USC 1692g ( a ) ) and Regulation F ( 12 CFR 1006.34 ), they were required to send me a written notice of the debt within five ( 5 ) days of that initial contact.

I did not receive that written notice. As a result, I was not informed of the amount of the debt, the name of the creditor, or my right to dispute the debt within 30 days. This is a direct violation of federal law.

Despite this failure, they have proceeded to report this debt to one or more credit reporting agencies, which violates the Fair Credit Reporting Act ( FCRA ) because the information is unverified and incomplete.

I have sent a formal dispute to the credit bureaus and demanded that the debt collector validate the debt. Since they failed to meet the 5-day notice requirement, their reporting and collection activity is unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: NV

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: CO

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: NY

Complaint narrative:
On XX/XX/XXXX, I discovered that someone has been using my name to open vehicle financing accounts without my permission. These accounts are not mine, and I never authorized them. This is a clear case of identity theft. The following accounts appear to have been fraudulently opened and need to be reviewed and addressed as soon as possible XXXX XXXX XXXX -Installment Auto Loan - Opened in XXXX, XXXXXXXX XXXX XXXX XXXX - Installment Auto Loan - Opened in XXXX, XXXX XXXX XXXX - Installment Auto Loan - Opened in XXXX XXXX XXXXXXXX XXXX XXXX XXXX - Installment - Opened in XXXX, XXXX and the following inquiries were also never authorized by me and are fraud as well : XXXX XXXX inquired on XX/XX/XXXX XXXXXXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX OF XXXX inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXXXXXX XXXX  inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXXXXXX 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