vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 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:
I was affected by the data breach and this a huge is violation of my consumer right per 15 usc 1681g FCRA law. Due to the breach there are fraudulent and unauthorized accounts on my report that is a defamation of character and neglect on behalf of the credit bureaus please remove the following accounts immediately XXXX XXXX ( Original XXXX XXXXXXXX XXXX ) : Account number : XXXX XXXX : Account number : XXXX XXXX XXXX : Account number : XXXX XXXX XXXX  : Account number : XXXX XXXX XXXX  : Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX  : Account number : XXXX XXXX XXXX Account number : XXXX XXXX  : Account number : XXXX XXXX  XXXX : Account number : XXXX XXXX  XXXX : Account number : 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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Ive requested this on multiple occasions as you can see records of just on the CFPB website. But most recently I submitted a request with CFPB on XXXX25 requesting the removal of negative items on my credit report as they have been consistently been reported as verified to be true following multiple disputes with Equifax and Experian with NO investigation results and its now been 57 days since my most recent request. I have disputed a collection account requesting the investigation results that verified it as true to be my debt and a bankruptcy with the same results that has since been removed by all credit reports EXCEPT Experian. Experian continues to refuse to remove a name that is not mine after Ive provide my license, Social Security and electricity bill. All I continue to get from both Experian and Equifax is a statement requesting that I send specific information on what Im dispute after I submit my complaints with CFPB. Ive submitted my dispute with both Experian and Equifax directly for these two negative items repeatedly requesting they be removed, they continue to verify the debt, Ive requested the I have requested : Original Creditor Information, Debt Validation, Proof of Authority, Itemization of Fees, Age of the Debt, Amount Owed, and proof of my signature on original contract. Proof of the steps taken when investigating, Ive waited more than 21 days, per the law these items now have to be removed from my credit report as they have not provided this information. Please make Experian and Equifax honor the law and remove the collection from my credit report with Equifax and the same collection account along with the bankruptcy from Experian Credit report. Im sure the CFPB would like to stop receiving complaints about these same issues from me regarding Equifax and Experian not following proper investigatory protocols as well. Thank you for your time.

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
RE ; Experian, TransUnion, Equifax I have contacted & explained to the above companies Numerous times that my XXXX XXXX  was lost/stolen with identifying information. I have several inquiries that keep popping up via credit report. 

These are attempts to open accounts or establish credit illegally. I have provided a POLICE REPORT disputing this. I now have an FTC REPORT & also this report from CFPB. 

There is also an account with XXXX XXXX XXXX That I want Completely Removed. It is INACCURATE. 

I have been a victim of identity theft far too long to keep going through this. I have repeatedly disputed these items and Experian is sending back as verified.

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 2025-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I had called into Wells Fargo Wednesday, XX/XX/year> to inquire about my overdrawn account. I had explained to the representative that my account had been negative for a week and a half or so. I asked if I could continue using my account until I got paid on XX/XX/year>. I had recently just started a new job and my funds have been limited. The representative went on to explain that I couldnt continue to overdraft my account without any consequences. He voiced that he would post that I could bring the account up to good standing when I got paid which would have been XX/XX/year>. When I checked my Wells Fargo mobile app today. I was not happy to see eight over draft fees for me continuing to use my card. I was under the impression I would be charged a one time over draft fee not eight or more. This is over {$200.00} in overdraft fees and in my opinion is straight up robbery. If I was provided with the correct information, I would have NEVER continued to overdraft my account. The best they said they could do when I called In today, XX/XX/XXXX of XXXX, I was told they can only give me back two of the overdraft fees. This is totally unacceptable and I cant afford to pay Wells Fargo over {$200.00} in overdraft fees. I am requesting a full refund for not being provided with accurate information and now reaping the consequences. I appreciate whatever can be done and hope I will be able to get most if not all of my money back. I appreciate your time. 



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 monetary relief
Consumer complaint received 2025-05-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One Services, LLC XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Dispute of Unverifiable Late Payments Request for Investigation and Removal To Whom It May Concern, I am writing to formally dispute a series of late payment entries your company is reporting to the credit bureaus under my account. After reviewing my XXXX  credit report, I found multiple months being marked as late without sufficient or verifiable justification.

Under the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1666b Timing of payments, creditors are required to ensure accuracy in reporting and can not legally report negative marks unless the payment was truly late according to the billing agreement and accurately recorded. 

The following reported late payments are in question : XX/XX/XXXX ( XX/XX/XXXX ) XX/XX/XXXX ( XX/XX/XXXX ) XX/XX/XXXX ( XX/XX/XXXX ) XX/XX/XXXX ( XX/XX/XXXX ) XX/XX/XXXX ( XX/XX/XXXX ) XX/XX/XXXX ( XX/XX/XXXX ) XX/XX/XXXX ( XX/XX/XXXX ) I am requesting that Capital One provide documentation that validates these late payments, including billing statements, payment receipts, and due dates that prove the payments were indeed late under our agreement. If you are unable to provide such documentation, I ask that these inaccurate entries be corrected or removed immediately from all consumer reporting agencies. 

Please consider this a formal request under FCRA 611 for a reinvestigation of these items. If you are unable to verify these entries, you must request that the credit bureaus delete them in accordance with federal law. 

I would appreciate your prompt attention to this matter. Please send written confirmation of your investigation results and any corrective action taken. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
I purchased XXXX equipment XX/XX/XXXX for {$2600.00}. It was financed through XXXX. Payments were set to auto and all payments were made on time. On XX/XX/XXXX, fortiva closed the account and moved the balance to a new account without my consent. The auto payments were not set up and now have told me Im late on payments. My credit score dropped from a XXXX to a XXXX due to XXXX  reporting past due payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 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 Any other adverse item 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 inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
ATTENTION : Credit Card Dispute Department Subject : Formal Dispute and Request for Removal Business Account in My Name Dear Credit Card Dispute Dept I am writing to formally dispute the account associated with JPMCB, currently being reported under my personal credit profile. This credit card account belongs to a businessXXXX XXXXand not to me personally. I was employed as the XXXX XXXX at the time, but I was not financially liable for the account. 

I respectfully request the removal of the address XXXX XXXX XXXXXXXX XXXX from my credit file. I have never resided at this location, as it was merely my workplace during my tenure with the company. The business has since permanently closed, and all employees, including myself, were laid off. Please see the attached documentation verifying this. 

I am also disputing the balance and responsibility for the above-mentioned account, which rightfully belongs to a company, XXXX. I kindly request the complete removal of this account from my personal credit report. 

Please be advised that I have submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) XXXX and am working with the Law Offices of XXXX in XXXX XXXX XXXX, FL to take further legal action against JPMCB Card Services if necessary. 

This situation is creating significant hardship for me and my family. Despite maintaining a flawless payment history for over XXXX years, my XXXX XXXX has dropped from XXXX to XXXX due to this issue. I have not had any association with the business or its location since XX/XX/year>. 

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

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: SC

Complaint narrative:
The following accounts are do to identity theft and are not mine. These accounts were unauthorized XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-05-17 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: SC

Complaint narrative:
The following accounts are do to identity theft and are not mine. These accounts were unauthorized XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
Transworld systems lnc, I am unaware of this debt, and did not have the opportunity to dispute this debt. If you believed you sent proper notification, please provide 'Certified Mail ' with receipts displaying my signature. If not please delete the account from Transworld systems Inc for the amount of {$8400.00} as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: CA

Complaint narrative:
Ive recently received a copy of my credit report and notice several inaccuracies and unauthorized accounts information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: CA

Complaint narrative:
Ive recently received a copy of my credit report and notice several inaccuracies and unauthorized accounts information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-17 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 would like to submit a formal complaint against XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX regarding their harassing attemps to either collect a debt I do not owe or that have not been verified. I believe the actions of these agencies are in violation of the Fair Debt Collection Practices Act.

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 2025-05-17 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: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
Recently checking my credit report I noticed that I've been a victim of identity theft and found numerous credit inquiries have no knowledge of here are the inquiries that I've found ALLY FINCL XXXX XXXX, 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: MI

Complaint narrative:
Remove all reinserted accounts, negative accounts, unverified accounts, and remove all fraudulent accounts.

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 2025-05-17 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:
I am writing to formally request that Experian block the reporting of fraudulent information on my credit report, in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c2. This information is the result of identity theft and does not relate to any transaction I personally authorized or initiated. 
Below are the details of the items that I am requesting to be blocked : Creditor Name : XXXX XXXX  Account Number : XXXX Reason for Dispute : Identity Theft account was opened fraudulently without my knowledge or consent. 
In compliance with FCRA 605B, I am including the following documentation to support my request : A copy of a government-issued photo ID, Proof of residence, A copy of the identity theft report, filed with FTC on XX/XX/year>, which meets the requirements defined under FCRA 603 ( q ), A written statement explaining that I did not open or authorize the account ( s ) in question and requesting their removal.

Under FCRA 605B ( a ), you are legally required to block the reporting of any information that resulted from identity theft within four ( 4 ) business days of receiving this request and supporting documentation. Furthermore, please send me a confirmation letter once the block has been placed and notify the furnisher ( s ) of the disputed information as required under FCRA 605B ( b ).

Please also ensure that any creditors who reported the fraudulent account are notified that the information has been blocked, and that the account ( s ) in question do not reappear in my credit file unless Experian receives certified proof that I was, in fact, responsible for the account ( s ) ( as outlined in FCRA 605B ( c ) ).

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 2025-05-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 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 Any other adverse item 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 inaccurate.

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 2025-05-17 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: NC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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