vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I was scammed in XXXX, XXXX by being charged {$230.00}, instead of $ XXXX rate by a XXXX payment provider. The payment was for a taxi ride no more than a mile or so. I already knew I was being overcharged, but I didnt know I was being scammed this badly. I am a student, and so {$230.00} is a lot of money for someone like me, thats usually my budget for food for an entire month. Im disappointed in Wells Fargo because when I contacted them about my dispute, they didnt seem to care too much, and on XXXX, a man told me it was classified wrong, and told me to first make contact with the merchant myself then they would help to resolve it if it didnt work. I can accept that, and attempted to make contact with the merchant, but they had planned for this. There was no way to contact them on the bank statement, and I even made a third party account to go through the payment processor, but there was no contact information to be found. I relayed this to Wells Fargo, and the woman on the phone with me on XXXX said that the man I called on XXXX was giving me wrong information, and I was out of luck and I should pay for it myself. 

The part that I am really dissatisfied with is I feel like Wells Fargo didnt do anything. They didnt temporarily credit my account, they didnt try to make contact with the merchant for me, they didnt even initiate a chargeback when I told them it was a scam. Ive had disputes with my credit union before, and they always take the customer service route, immediately charging back the charge, giving you a credit as well. They make contact with the merchant for you and usually you dont have to lift a finger. 

This is especially disappointing to me because I was about to make the switch from my XXXX XXXX to Wells Fargo, because Wells Fargo offers better services for online banking. Now I dont know what to do. 

I think in the future, Wells Fargo should actually do something instead of saying Youre out of luck and closing your dispute.

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 2025-04-12 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: Exeter Finance, LLC.
State: MS

Complaint narrative:
Please delete anything on my credit that is not valid in 24 hours

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: DC

Complaint narrative:
Around XX/XX/year>, I tried to log into the Shellpoint HELOC loan servicing website. It recognized my last name, loan number and social security but said I needed to call a XXXX number that was only open during the week. A few days later, I called and the gentleman said that they would send a XXXX  with a verification code so I could log in and I should receive it in 1-7 days. 
On XX/XX/XXXX, I sent {$1000.00} check from my XXXX money market account to pay the mortgage, which was due on XX/XX/XXXX. The check has been cashed. 
On XXXX XXXX, XXXX  I called Shellpoint in the morning to ask about logging in and the XXXX package with a code. Their internal database indicated that I called and requested that information, but that they no longer use XXXX and they would have to send it via regular USPS. I XXXX  Shellpoint and they have terrible reviews. specifically making it hard for people to pay their loans and then foreclosing on them. 
I called Shellpoint again on the evening of XX/XX/XXXX and said that I would give them until Friday, XX/XX/XXXX to get me information to log into their website. That information has not been provided. 
To my knowledge, I am current on my HELOC mortgage. But this is unacceptable business practice and behaviour. Most financial institutions text you a code for dual authentication and do not give a run-around.

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 2025-04-12 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: TN

Complaint narrative:
I am an victim of identity theft. The information marked as fraud, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the complete result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Please Note : I did not open any account with the following original creditor ( s ) XXXX that's associated with XXXX XXXX XXXX, there is no hard inquiry records of me applying for credit with XXXX or historical account information reporting or that has been reported including payment history, the date this account was originally opened and closed, the current status of the account and that it was charged off and sent to collections. XXXX is typically associated to XXXX XXXX XXXX reporting on their behalf. The collection account information thats appearing on my credit report is inaccurate and doesnt meet the requirement of the FCRA . Ive provided the necessary information under section 605b. Appropriate proof of the identity of the consumer. A copy of an official Federal Trade Commission Identity Theft Report. The identification of such information by the consumer ; and a statement by the consumer that the information is not information relating to any transaction by the 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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I had a total of XXXX hard inquiries added to my credit report. I notified them it wasnt me. I even told experience Ive been a victim of identity theft and reported this in XXXX I asked them to do a thorough investigation And get back at me 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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Finance Company, LLC
State: PA

Complaint narrative:
This credit card is being reported on XXXX and XXXX with several discrepancies.It is against FCRA to report inaccurate information. Canceled debt is considered income and it is illegal for income to be reported on a credit report. No 1099 was ever received but this account was charged off. This account needs to be removed from my credit report for inaccuracy and breaking FCRA laws.

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 2025-04-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
I do not owe this account and the incorrect information has been reported on my credit report. The date opened is showing as XX/XX/year> - I do not owe this account and I did not open an account for cable services. I do not have cable in my residence. 

This false information is harmful to my credit. According to FCRA 15 USC 1681 debtors must report ACCURATE information. I do not know CBE Group and have not given them permission to access my personal credit information. Under the XXXXederal Credit Reporting Act this company is in violation of my credit rights and I want this information DELETED from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: MA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting 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 2025-04-12 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Unverifiable Information & Legal Notice 15 U.S.C. 1681i ( a ) ( 7 ) I am writing to formally dispute and demand the immediate deletion of the following unverifiable accounts and unauthorized inquiries listed on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ) : Disputed Accounts : BANKRUPTCY - ( REINCERTED ) DELETE 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are inaccurate, incomplete, or can not be verified. I request that they be removed immediately and that you confirm in writing. 

Unauthorized Inquiries to Be Deleted : XXXX XXXX XXXX XXXX Experian XXXX XXXX Experian 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 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 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 DELETE ALL ALIASES AND OLD UNDELIVERABLE ADDRESSES! 

Legal Notice Under 15 U.S.C. 1681i and the FDCPA, you are required to : Conduct a reasonable investigation ( 1681i ( a ) ( 1 ) ) Provide documentation validating the accounts ( 1681i ( a ) ( 6 ) ( B ) ( iii ) ) Remove unverifiable or inaccurate data ( 1681i ( a ) ( 5 ) ( B ) ) Failure to comply may result in legal action, including : Statutory damages of {$1000.00} per violation ( 15 U.S.C. 1681n ( a ) ; 1692k ( a ) ( 2 ) ( A ) ) Actual and punitive damages for emotional and financial harm Attorney fees and court costs Case Reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  billing records do not constitute sufficient debt validation. 

Please respond in writing and provide an updated credit report within the required legal timeframe. 

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 2025-04-12 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: DE

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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 DISPUTED THE FOLLOWING CREDIT INQUIRIES THAT I DID NOT AUTHORIZE : 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

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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Contemporary Information Corp
State: VA

Complaint narrative:
I demanded that the consumer reporting agency in question immediately implement a full security freeze and enforce an opt-out from any use of my consumer data, including personal information, tenant screening, and rental background reporting. I am not seeking rental housing and have not provided consent for the use, sale, or distribution of my personal or rental-related consumer data. Any continued or future access, reinsertion, or dissemination of such information without my express permission is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: NV

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 2025-04-12 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: AZ

Complaint narrative:
I had received fraudulent emails of XXXX XXXX premiere past due payments on a card and account that I did not setup. I called XXXX in XXXX to freeze and cancel the account to report as fraud. Then I disputed through XXXX XXXX and transunion. The account was still not taken off my credit report and I called XXXX XXXX again in XXXX, redisputed through XXXX, and still the account has not been removed from my account. XXXX XXXX has been difficult to work with and has not provided any updates into the fraud or closed the account.

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 2025-04-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
Eastern Account Systems is a third party collections account that does not belong to me. This company also made no attempt to contact me and verify this debt. I do not have any relationship with this company as this an attempt to exhort money from me for an account that is not valid. Eastern Account Systems has reported this fraudulent account to XXXX and XXXX. They have also attached it to an address that is not mine. Third party collections violate the following : FCRA 611 ( 15 U.S.C. 1681i ). This section of the FCRA requires that credit bureaus conduct a reasonable investigation into disputed information. As the collection account is inaccurate and unverifiable, I request that it be removed from my credit report immediately. If the furnisher can not provide verification within 15 days, it must be deleted. FCRA 605 ( 15 U.S.C. 1681c ) ** : According to this section, negative information such as collection accounts must be removed from a credit report. FDCPA 807 ( 15 U.S.C. 1692e ) ** : The **Fair Debt Collection Practices Act** prohibits the reporting of false or misleading information by debt collectors. If the account is not verified by the original creditor or if there are inaccuracies, I demand its immediate deletion under this provision. Unverifiable Debt : If the credit reporting agency and the collection agency can not provide valid documentation and proof of this debt as required by **FCRA XXXX23 ( 15 U.S.C. 1681s-2 ) **, it must be removed from my credit report. Creditors and collectors are legally obligated to report accurate information, and failure to verify the account should result in its deletion. Furthermore, under 15 USC 1692g debt collectors must validate debt. If they can not its NOT enforceable. I am also enforcing my rights through UCC 3-501 by demanding proof of debt through the original contract. I also want an itemized statement of my debt under secured transactions law according to UCC 9-210. 

This accounts and inaccurate address are **fraudulent, not mine**, and is causing damage to my financial credibility and emotional well-being. Eastern Account Systems **continued reporting of this false and unverifiable debt** is unlawful and in direct violation of my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Unverifiable Information & Legal Notice 15 U.S.C. 1681i ( a ) ( 7 ) I am writing to formally dispute and demand the immediate deletion of the following unverifiable accounts and unauthorized inquiries listed on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ) : Disputed Accounts : BANKRUPTCY - ( REINCERTED ) DELETE 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are inaccurate, incomplete, or can not be verified. I request that they be removed immediately and that you confirm in writing. 

Unauthorized Inquiries to Be Deleted : XXXX XXXX XXXX XXXX Experian XXXX XXXX Experian 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 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 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 DELETE ALL ALIASES AND OLD UNDELIVERABLE ADDRESSES! 

Legal Notice Under 15 U.S.C. 1681i and the FDCPA, you are required to : Conduct a reasonable investigation ( 1681i ( a ) ( 1 ) ) Provide documentation validating the accounts ( 1681i ( a ) ( 6 ) ( B ) ( iii ) ) Remove unverifiable or inaccurate data ( 1681i ( a ) ( 5 ) ( B ) ) Failure to comply may result in legal action, including : Statutory damages of {$1000.00} per violation ( 15 U.S.C. 1681n ( a ) ; 1692k ( a ) ( 2 ) ( A ) ) Actual and punitive damages for emotional and financial harm Attorney fees and court costs Case Reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  billing records do not constitute sufficient debt validation. 

Please respond in writing and provide an updated credit report within the required legal timeframe. 

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 non-monetary relief