vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am reaching out to formally dispute the presence of a bankruptcy entry on my credit report, as it has been inaccurately included. I have obtained an official letter from the court explicitly stating that this bankruptcy should not have been reported to your agency. Despite this clear evidence, the record remains on my credit file, which is both misleading and unjust. The continued presence of this inaccurate information is negatively impacting my credit standing and does not reflect my actual financial history. 

Furthermore, I am extremely concerned about the involvement of an unauthorized third party in this matter. This raises serious questions about the integrity and accuracy of my credit report, further exacerbating an already alarming situation. The presence of an unapproved entity in a matter as critical as my credit reporting is unacceptable and warrants immediate attention.

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 2025-03-29 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: VA

Complaint narrative:
I have inquiries on my credit report that I did not authorize and I would like them deleted immediately pease due to my Rights. Provided Documentation of inquiries

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 2025-03-29 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: FL

Complaint narrative:
I reviewed my credit report and found several fraudulent accounts that do not belong to me. These accounts were opened without my authorization, negatively impacting my credit score. I have contacted the creditors involved and confirmed that these accounts were opened fraudulently. Additionally, under the Fair Credit Reporting Act ( FCRA ), the credit bureau is required to investigate and verify all reported accounts, yet they have not provided proper verification. I am submitting identity theft reports and supporting documents, including an FTC report, to prove that I did not authorize these accounts. I request immediate action to have them removed and my credit report corrected.

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 2025-03-29 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. 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 Commissions Identity Theft Affidavit. Please delete the items 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 explanation
Consumer complaint received 2025-03-29 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Social Security Number : XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear, Experian Subject : Urgent Request for Immediate Removal of Fraudulent Accounts Due to Identity Theft To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts from my credit report. These accounts were opened or used without my authorization as a result of identity theft. 

I have attached a copy of my Federal Trade Commission ( FTC ) identity theft report as supporting evidence. 

The following accounts must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be permanently removed from my credit file with no delays. These accounts are fraudulent, and I am not responsible for any activity associated with them. 

Enclosed Documents : 1. FTC Identity Theft Report 2. Copy of my government-issued This matter is urgent, and I expect a prompt resolution. If these fraudulent accounts are not removed immediately, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary. 

Please send a written confirmation once these accounts have been removed. If you refuse to remove them, provide a detailed explanation of your investigation and the evidence used to verify these accounts. 

Thank you for your immediate attention to this matter. 

I can be reached at the contact information above if further clarification is needed. 


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 2025-03-29 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: IL

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXXalance {$1500.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXXXXXX Balance {$140.00} Open Date XXXX XXXX, XXXXXXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX {$560.00} Open Date XX/XX/XXXX 2024

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 2025-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted.

Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to block and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : I C SYSTEM ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX {$460.00} Date Opened : XX/XX/year> 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.

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. 
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 2025-03-29 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: TN

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. 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 Commissions Identity Theft Affidavit. Please delete the items 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 explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
From XXXX # # # **Argument Against Wells Fargo for Unauthorized Overdraft Fees** **1. Wells Fargo Charged Illegal Overdraft Fees Without Consent** - The bank assessed {$35.00} overdraft fees despite the fact that I **never opted into** overdraft protection. 
- Under **Regulation E ( 12 CFR 1005.17 ) ** of the **Dodd-Frank Act**, banks ** can not ** charge overdraft fees on ATM or debit card transactions unless the consumer **affirmatively consents** ( " opts in '' ) to overdraft coverage. 
- Wells Fargo violated this federal law by imposing fees without my authorization. 

XXXX. Violation of California Consumer Protection Laws** - Californias **Unfair Competition Law ( UCL, Business & Professions Code 17200 ) ** prohibits **fraudulent, unlawful, or unfair** business practices.

- Charging overdraft fees without consent is **deceptive** and **unfair**, as it imposes costs on consumers who never agreed to the service.

- Additionally, Californias **Consumer Legal Remedies Act ( CLRA, Civil Code 1750 ) ** protects against **false advertising and unfair practices**Wells Fargo failed to disclose properly that overdraft fees would apply without opt-in.

**3. Wells Fargos History of Unlawful Overdraft Practices** - Wells Fargo has a documented history of **aggressive overdraft fee practices**, including reordering transactions to maximize fees, which led to past lawsuits and regulatory actions. 
- Courts have previously ruled against Wells Fargo for similar conduct XXXX XXXX XXXX XXXX Wells Fargo*XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

**4. Requested Relief** - **Refund of all unauthorized overdraft fees** charged without consent.

- **Statutory damages** under California law ( up to {$1000.00} per violation under the CLRA ).

- **Injunctive relief** to prevent Wells Fargo from continuing this practice.

# # # **Conclusion** Wells Fargo violated **federal law ( Dodd-Frank/Regulation E ) ** and **California consumer protection statutes ( UCL & CLRA ) ** by charging overdraft fees without proper consent. The court should order full restitution and penalties to hold Wells Fargo accountable for these unlawful practices.

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 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an inaccurate and unjust entry on my credit report related to an account held by Westlake Portfolio Management ( WPM ). The account reflects a balance of {$11000.00} for a vehicle that was stolen over four years ago and has not been located since. Despite multiple attempts on my part to resolve this issue with WPM, the account remains inaccurately reported as " closed '' with this outstanding balance. 

This unresolved matter is unfairly affecting my credit score and financial well-being. I have made several efforts to work with WPM to rectify the situation, but I have not been given a fair opportunity to reach a resolution. As the vehicle was stolen and has not been recovered, I believe it is inappropriate for this balance to remain on my credit report. 

I request that the Federal Credit Bureau investigate this issue and ensure that the incorrect reporting is corrected. I seek a fair resolution and the removal of this inaccurate entry from my credit report. The vehicle was stolen and the lender has not pursued the matter properly. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX has egregious reporting practices. They reported me 90 days late to all 3 credit bureaus without letting me know of the 30 or 60 days past due. I never received anything in the mail from them in regards to any issues. They caused my credit score to drop XXXXXXXX XXXX  that's outrageous. This pratice is unfair to me as a consumer.

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 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reviewed my credit report and found several fraudulent accounts that do not belong to me. These accounts were opened without my authorization, negatively impacting my credit score. I have contacted the creditors involved and confirmed that these accounts were opened fraudulently. Additionally, under the Fair Credit Reporting Act ( FCRA ), the credit bureau is required to investigate and verify all reported accounts, yet they have not provided proper verification. I am submitting identity theft reports and supporting documents, including an FTC report, to prove that I did not authorize these accounts. I request immediate action to have them removed and my credit report corrected.

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 2025-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
XXXX XXXX : Debt Collection- Attempting to collect without a required license I went on XXXX consumer and came upon this debt collection agency that is attempting to collect a debt in Texas without being properly licensed, which violates state laws. I am requesting that the CFPB investigate their unlawful collection practice and take appropriate action. The agency has failed to provide proof of licensing or proper validation of the debt upon request.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: NE

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND XXXX. 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 identity theft, 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 non-monetary relief
Consumer complaint received 2025-03-29 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: FL

Complaint narrative:
Their actions violate several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). 

Legal Violations and Issues : Failure to Exercise Fair and Responsible Reporting Under 15 U.S. Code 1681 ( FCRA ), consumer reporting agencies must handle consumer data fairly, impartially, and with respect for privacy. Equifax and Experian have failed to uphold this responsibility. 

Unauthorized Disclosure of My Private Information According to 15 U.S. Code 6801 & 6802 ( GLBA ), financial institutions must protect consumer data and allow consumers to opt out of information sharing. I was never informed of my right to opt out, nor did I consent to the disclosure of my personal financial data.

Reporting Without My Written Consent Per 15 U.S. Code 1681b & 1681s2, consumer reporting agencies may only furnish reports under specific circumstances, such as with written consumer authorization. I never provided such consent, making this reporting unlawful.

Outdated and Adverse Information Reported Unlawfully 15 U.S. Code 1681c prohibits reporting adverse information that is older than seven years ( except for criminal convictions ). The debt in question qualifies as an adverse item and is being reported improperly.

Failure to Maintain Reasonable Procedures 15 U.S. Code 1681e requires credit bureaus to have reasonable procedures to prevent violations. Equifax and Experian have failed to do so by reporting incorrect and outdated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: FL

Complaint narrative:
Their actions violate several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). 

Legal Violations and Issues : Failure to Exercise Fair and Responsible Reporting Under 15 U.S. Code 1681 ( FCRA ), consumer reporting agencies must handle consumer data fairly, impartially, and with respect for privacy. Equifax and Experian have failed to uphold this responsibility. 

Unauthorized Disclosure of My Private Information According to 15 U.S. Code 6801 & 6802 ( GLBA ), financial institutions must protect consumer data and allow consumers to opt out of information sharing. I was never informed of my right to opt out, nor did I consent to the disclosure of my personal financial data.

Reporting Without My Written Consent Per 15 U.S. Code 1681b & 1681s2, consumer reporting agencies may only furnish reports under specific circumstances, such as with written consumer authorization. I never provided such consent, making this reporting unlawful.

Outdated and Adverse Information Reported Unlawfully 15 U.S. Code 1681c prohibits reporting adverse information that is older than seven years ( except for criminal convictions ). The debt in question qualifies as an adverse item and is being reported improperly.

Failure to Maintain Reasonable Procedures 15 U.S. Code 1681e requires credit bureaus to have reasonable procedures to prevent violations. Equifax and Experian have failed to do so by reporting incorrect and outdated information.

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