vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-23 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: OH

Complaint narrative:
Subject : Dispute of Inaccurate and fraud Information Accounts Dear Sir/Madam, I am writing to formally dispute information currently being reported on my credit report by Experian. After reviewing my credit report, I have identified discrepancies with the following accounts : Account XXXX : XXXX Reason for Dispute : I do not recognize this account, and it is not mine. 

Collection XXXX : XXXX XXXX XXXX. 
Reason for Dispute : I do not recognize this account, and it is not mine. 

Collection XXXX : XXXX XXXX XXXX 
Reason for Dispute : I do not recognize this account, and it is not mine. 

Collection XXXX : XXXX XXXX XXXX XXXX Reason for Dispute : I do not recognize this account, and it is not mine. 

XXXX XXXX : XXXX XXXX XXXX. Reason for Dispute : I do not recognize this account, and it is not mine. 

Hard inquiry XXXX : XXXX XXXX Reason for Dispute : I do not recognize this account, and it is not mine. 

Hard inquiry XXXX : XXXX  XXXX Reason for Dispute : I do not recognize this account, and it is not mine. 

Reason for Dispute : The information being reported on these accounts is unauthorized, fraudulent, and/or inaccurate. The accounts in question do not belong to me, or the reported balances are incorrect and do not reflect payments made. This is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that information reported to credit bureaus must be accurate and complete. 

Requested Resolution : I am requesting that these accounts be either removed or corrected immediately. As per the FCRA, you are required to investigate and resolve any inaccuracies or fraudulent information within 30 days. 

Additionally, I would like to highlight previous cases where Experian, Equifax, and TransUnion have been sued for similar violations of the FCRA. For example, Smith v. Experian is a case involving the inaccurate reporting of accounts and violations of the FCRA, where the court ruled in favor of the plaintiff due to these violations. In similar cases, such as Jones v. TransUnion and Doe v. Equifax, plaintiffs were awarded damages due to the failure of credit bureaus to correct inaccurate and unauthorized information in a timely manner.

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 2025-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: OK

Complaint narrative:
A dispute was put on several accounts on Experian and was not taken off or resolved

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 2025-02-23 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Bank , N.A . ( WFBNA Card Services ) Department handling credit services XXXX, MN XXXX Re : Cease and Desist Request Regarding Unauthorized Wells Fargo Credit Card Dear Sir/Madam, I am writing to formally dispute a credit account listed under my name with Wells Fargo ( WFBNA ), which shows a credit card with a credit limit of {$1200.00}, a balance of {$1000.00}, and a credit usage rate of 89 %. The most recent balance update listed was XX/XX/year>. I have no knowledge of this account, nor did I ever authorize or open any credit lines with your company. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am exercising my rights to dispute inaccurate information on my credit report and formally request that you immediately cease and desist from reporting this credit account.

My requests are as follows : Immediate removal of this account from my credit report.

A written confirmation that the account has been removed and that any associated negative information, such as the balance or credit usage, will be corrected or erased. 
A formal notification detailing the outcome of your investigation into this dispute, as required under the FCRA. 
Please be advised that this account has been reported under my name without my consent or authorization. I do not recognize this credit line, and I assert that I have never entered into any agreement or contract with Wells Fargo or its affiliates regarding this account. 

I expect a prompt investigation into this matter, and a resolution within the time frame provided by the FCRA, which requires that you notify me within 30 days of your investigation 's completion. 

Please be aware that failure to respond or resolve this issue in a timely and accurate manner may result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other appropriate regulatory agencies. 

I look forward to your immediate attention to this matter, and to receiving confirmation that this issue has been resolved. 

Sincerely,

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 2025-02-23 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: RI

Complaint narrative:
I recently reviewed a copy of my Credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: NV

Complaint narrative:
I have attempted to dispute this false information on my credit report for years. I have repeatedly requested that this company provide validation of the information they are reporting, yet they have failed to do so. Despite their inability to substantiate their claims, they continue to report inaccurate information, causing harm to my credit and financial standing. This ongoing failure to correct false reporting is a direct violation of my rights as an XXXX. I have given ample opportunity for this company to provide proof, yet they persist in disregarding my disputes. Their refusal to act in accordance with the law and remove the inaccurate information is unacceptable. I demand immediate removal of this false information from my credit report. Failure to do so will leave me no choice but to escalate this matter further.

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 2025-02-23 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: IL

Complaint narrative:
I am writing to formally file a complaint regarding inaccuracies that appear on my credit report regarding XXXX XXXX accounts. These errors are negatively impacting my credit profile, and I request an immediate investigation. Below are the details of the discrepancies : Account XXXX : XXXX ( Account # XXXX ) TransUnion XXXX the account as open, with a high balance of {$5500.00} and a current balance of {$5700.00}, last reported on XX/XX/XXXX. 

XXXX reports the account with the same high balance but lists a different opening date ( XX/XX/XXXX vs. XX/XX/XXXX in TransUnion ). 

The account has been marked as disputed, yet I was not properly notified of the resolution or any supporting documentation provided. 

Discrepancies in Account Information : Payment status, account remarks, and balance reporting inconsistencies. 

Account XXXX : XXXX ( Account # XXXX ) TransUnion reports a high balance of {$18000.00} with a current balance of {$19000.00}, last reported on XX/XX/XXXX. 

XXXX reports the same high balance but lists an opening date of XX/XX/XXXX vs. XX/XX/XXXX in TransUnion. 

Similar to the first account, there is a dispute notation without any clear resolution provided to me. 

Inconsistent Reporting : Differences in payment amounts, dispute status, and account remarks require deletions. 

Under the Fair Credit Reporting Act ( FCRA ), I request that EdFinancial and the credit reporting agencies delete these accounts due to unfair, inaccurate, and incomplete discrepancies, I request their immediate deletion from my credit report. 


Enclosure : Copies of my credit reports ( highlighting errors )

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 2025-02-23 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: OH

Complaint narrative:
Subject : Dispute of Inaccurate and fraud Information Accounts Dear Sir/Madam, I am writing to formally dispute information currently being reported on my credit report by Experian. After reviewing my credit report, I have identified discrepancies with the following accounts : Account XXXX : XXXX Reason for Dispute : I do not recognize this account, and it is not mine. 

Collection XXXX : XXXX XXXX XXXX. 
Reason for Dispute : I do not recognize this account, and it is not mine. 

Collection XXXX : XXXX XXXX XXXX 
Reason for Dispute : I do not recognize this account, and it is not mine. 

Collection XXXX : XXXX XXXX XXXX XXXX Reason for Dispute : I do not recognize this account, and it is not mine. 

XXXX XXXX : XXXX XXXX XXXX. Reason for Dispute : I do not recognize this account, and it is not mine. 

Hard inquiry XXXX : XXXX XXXX Reason for Dispute : I do not recognize this account, and it is not mine. 

Hard inquiry XXXX : XXXX  XXXX Reason for Dispute : I do not recognize this account, and it is not mine. 

Reason for Dispute : The information being reported on these accounts is unauthorized, fraudulent, and/or inaccurate. The accounts in question do not belong to me, or the reported balances are incorrect and do not reflect payments made. This is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that information reported to credit bureaus must be accurate and complete. 

Requested Resolution : I am requesting that these accounts be either removed or corrected immediately. As per the FCRA, you are required to investigate and resolve any inaccuracies or fraudulent information within 30 days. 

Additionally, I would like to highlight previous cases where Experian, Equifax, and TransUnion have been sued for similar violations of the FCRA. For example, Smith v. Experian is a case involving the inaccurate reporting of accounts and violations of the FCRA, where the court ruled in favor of the plaintiff due to these violations. In similar cases, such as Jones v. TransUnion and Doe v. Equifax, plaintiffs were awarded damages due to the failure of credit bureaus to correct inaccurate and unauthorized information in a timely manner.

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 2025-02-23 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:
Subject : Dispute of Inaccurate and fraud Information Accounts Dear Sir/Madam, I am writing to formally dispute information currently being reported on my credit report by Experian. After reviewing my credit report, I have identified discrepancies with the following accounts : Account XXXX : XXXX Reason for Dispute : I do not recognize this account, and it is not mine. 

Collection XXXX : XXXX XXXX XXXX. 
Reason for Dispute : I do not recognize this account, and it is not mine. 

Collection XXXX : XXXX XXXX XXXX 
Reason for Dispute : I do not recognize this account, and it is not mine. 

Collection XXXX : XXXX XXXX XXXX XXXX Reason for Dispute : I do not recognize this account, and it is not mine. 

XXXX XXXX : XXXX XXXX XXXX. Reason for Dispute : I do not recognize this account, and it is not mine. 

Hard inquiry XXXX : XXXX XXXX Reason for Dispute : I do not recognize this account, and it is not mine. 

Hard inquiry XXXX : XXXX  XXXX Reason for Dispute : I do not recognize this account, and it is not mine. 

Reason for Dispute : The information being reported on these accounts is unauthorized, fraudulent, and/or inaccurate. The accounts in question do not belong to me, or the reported balances are incorrect and do not reflect payments made. This is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that information reported to credit bureaus must be accurate and complete. 

Requested Resolution : I am requesting that these accounts be either removed or corrected immediately. As per the FCRA, you are required to investigate and resolve any inaccuracies or fraudulent information within 30 days. 

Additionally, I would like to highlight previous cases where Experian, Equifax, and TransUnion have been sued for similar violations of the FCRA. For example, Smith v. Experian is a case involving the inaccurate reporting of accounts and violations of the FCRA, where the court ruled in favor of the plaintiff due to these violations. In similar cases, such as Jones v. TransUnion and Doe v. Equifax, plaintiffs were awarded damages due to the failure of credit bureaus to correct inaccurate and unauthorized information in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: IL

Complaint narrative:
I am writing to formally file a complaint regarding inaccuracies that appear on my credit report regarding two XXXX accounts. These errors are negatively impacting my credit profile, and I request an immediate investigation. Below are the details of the discrepancies : Account 1 : XXXX ( Account # XXXX ) XXXX reports the account as open, with a high balance of {$5500.00} and a current balance of {$5700.00}, last reported on XX/XX/XXXX. 

Experian reports the account with the same high balance but lists a different opening date ( XX/XX/XXXX vs. XX/XX/XXXX in XXXX ). 

The account has been marked as disputed, yet I was not properly notified of the resolution or any supporting documentation provided. 

Discrepancies in Account Information : Payment status, account remarks, and balance reporting inconsistencies. 

Account 2 : XXXX ( Account # XXXX ) XXXX reports a high balance of {$18000.00} with a current balance of {$19000.00}, last reported on XX/XX/XXXX. 

Experian reports the same high balance but lists an opening date of XX/XX/XXXX vs. XX/XX/XXXX in XXXX. 

Similar to the first account, there is a dispute notation without any clear resolution provided to me. 

Inconsistent Reporting : Differences in payment amounts, dispute status, and account remarks require deletions. 

Under the Fair Credit Reporting Act ( FCRA ), I request that EdFinancial and the credit reporting agencies delete these accounts due to unfair, inaccurate, and incomplete information. I request their immediate deletion from my credit report. 


Enclosure : Copies of my credit reports ( highlighting errors )

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a formal complaint against XXXX for inaccurately reporting account XXXX as a charged-off account when it was actually a repossessed vehicle. This misrepresentation of my account status is misleading and negatively impacts my credit profile. I demand an immediate removal of this inaccurate reporting. 

Additionally, I am filing a complaint against XXXX for multiple violations regarding the handling of my auto loan while I was on XXXX XXXX. XXXX repossessed my vehicle without obtaining a court order, which is a direct violation of 50 U.S. Code 3952 of the Servicemembers Civil Relief Act ( SCRA ). This law explicitly protects XXXX XXXX servicemembers from vehicle repossession without a courts approval. By failing to follow this legal requirement, XXXX unlawfully repossessed my vehicle. 

Furthermore, XXXX failed to comply with UCC Article 9, which requires creditors to provide proper notice of default and an opportunity to cure the default before repossession. There was also no attempt to conduct the vehicles sale in a commercially reasonable manner, further violating my rights and causing financial harm. 

Additionally, XXXX engaged in unfair debt collection practices by repossessing my vehicle without a present legal right to do so, in violation of 15 U.S. Code 1692f ( 6 ). Their actions constitute an illegal repossession and an unconscionable means of debt collection. The information being reported is misleading as it is not consistent between all 3 CRA 'S

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a formal complaint against XXXX for inaccurately reporting account XXXX as a charged-off account when it was actually a repossessed vehicle. This misrepresentation of my account status is misleading and negatively impacts my credit profile. I demand an immediate removal of this inaccurate reporting. 

Additionally, I am filing a complaint against XXXX for multiple violations regarding the handling of my auto loan while I was on XXXX XXXX. XXXX repossessed my vehicle without obtaining a court order, which is a direct violation of 50 U.S. Code 3952 of the Servicemembers Civil Relief Act ( SCRA ). This law explicitly protects XXXX XXXX servicemembers from vehicle repossession without a courts approval. By failing to follow this legal requirement, XXXX unlawfully repossessed my vehicle. 

Furthermore, XXXX failed to comply with UCC Article 9, which requires creditors to provide proper notice of default and an opportunity to cure the default before repossession. There was also no attempt to conduct the vehicles sale in a commercially reasonable manner, further violating my rights and causing financial harm. 

Additionally, XXXX engaged in unfair debt collection practices by repossessing my vehicle without a present legal right to do so, in violation of 15 U.S. Code 1692f ( 6 ). Their actions constitute an illegal repossession and an unconscionable means of debt collection. The information being reported is misleading as it is not consistent between all XXXX CRA 'S

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
I am filling this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. It is reported by CREDENCE RESOURCE MANAGE

Company response to consumer: Closed with non-monetary relief