vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Collection Account Reporting and Request for Investigation Dear XXXX Dispute Department , I am writing to formally dispute an entry on my credit report related to an account listed under your agency as a charge-off. I believe this information is inaccurate and must be corrected. I have requested validation of this debt in a letter dated XXXX. The details of the account in question are as follows : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$2800.00} Reported as : Charge-Off I request a thorough investigation of this account and a correction of the information on my credit report. I believe this inconsistency warrants review to ensure the accuracy of the information being reported. 
Please provide me with the following : 1. A copy of the results of your investigation into this matter. 
2. A corrected copy of my credit report reflects the updated status of this account. 

Please conduct a thorough investigation of this account and ensure that the information reported to the credit bureaus is accurate. If this debt can not be verified or is deemed incorrect, I request that it be removed from my credit report, as it is causing unnecessary harm to my credit standing. 
Due to the CFPB lawsuit filed against XXXX on XX/XX/XXXX XXXX XXXX  I request that you perform a comprehensive investigation as mandated by the FCRA. 
It is my understanding that under the law you have 30 days from receiving this letter to verify this item. Failure to do so within the 30-day period constitutes reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the address above. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 
Please provide me with the results of your investigation and any supporting documentation for your findings. I would appreciate a prompt resolution to this matter in accordance with the Fair Credit Reporting Act ( FCRA ). 
Thank you for your time and attention to this issue. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
In XXXX, I contacted ChexSystems multiple times to dispute fraudulent information on my consumer report related to accounts and inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts were opened fraudulently using my Social Security number without my knowledge or consent. I am a victim of identity theft, as documented in an FTC Identity Theft Report and a police report ( XXXX Case # XXXX ). Despite providing detailed evidence and requesting the removal of fraudulent data, ChexSystems and XXXX has failed to remove these items from my report. The fraudulent account with XXXX for example, shows a balance of {$3600.00}, and was opened on XX/XX/XXXX at a car dealership without any verification of my identity. I have taken numerous actions, including disputing the accounts with Chexsystems and XXXX, XXXX, and credit bureaus, and providing all requested documentation to prove the fraud. Chexsystems and XXXX has violated the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate and remove fraudulent information, as required under Sections 605B and 611. Their inaction continues to harm my credit and financial reputation. Actions Taken : Submitted identity theft and police reports. Contacted Chexsystems and XXXX. In XXXX to request removal of fraudulent accounts. Disputed the fraudulent accounts with creditors and other credit bureaus. Resolution Requested : I request that Chexsystems and XXXX immediately remove all fraudulent information from my consumer report and provide written confirmation of its removal.

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Collection Account Reporting and Request for Investigation Dear Experian Dispute Department, I am writing to formally dispute an entry on my credit report related to an account listed under your agency as a charge-off. The account does not appear on my XXXX credit report but is currently showing as a charge-off on both XXXX and Experian. I believe this information is inaccurate and must be corrected. I have requested validation of this debt in a letter dated XXXXXXXX The details of the account in question are as follows : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$790.00} Reported as : Charge-Off I request a thorough investigation of this account and a correction of the information on my credit report. As the entry is not listed with XXXX, I believe this inconsistency warrants review to ensure the accuracy of the information being reported. 
Please provide me with the following : 1. A copy of the results of your investigation into this matter.

2. A corrected copy of my credit report reflects the updated status of this account. 

Please conduct a thorough investigation of this account and ensure that the information reported to the credit bureaus is accurate. If this debt can not be verified or is deemed incorrect, I request that it be removed from my credit report, as it is causing unnecessary harm to my credit standing. 
Due to the CFPB lawsuit filed against Experian on XX/XX/XXXX, I request that you perform a comprehensive investigation as mandated by the FCRA. 
It is my understanding that under the law you have 30 days from receiving this letter to verify this item. Failure to do so within the 30-day period constitutes reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the address above. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 
Please provide me with the results of your investigation and any supporting documentation for your findings. I would appreciate a prompt resolution to this matter in accordance with the Fair Credit Reporting Act ( FCRA ). 
Thank you for your time and attention to this issue. 
Sincerely, XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-27 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I received a call from what was reported via caller ID to be Wells Fargo ( my bank ) and the person stated they were from the fraud prevention section and needed to discuss possible fraudulent charges on my account made using XXXX XXXX. This person then directed me to open XXXX XXXX and initiate what they said was a credit for XXXX which would reverse the fraudulent charge. After hanging up I called Wells Fargo to confirm this and was told it was a scammer and that I was protected by Wells Fargo 's " XXXX Liability Credit Card Protection '' policy and they initiated a dispute. After 10 days Wells Fargo sent me a letter saying I was being provisionally credited the disputed amount. On XX/XX/year> I received another letter saying they had completed their investigation and concluded that I had authorized the transfer. This is completely untrue as a scammer called me and represented himself as a Wells Fargo employee.

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 2025-01-27 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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
Consumer complaint received 2025-01-27 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Credit Report Dispute Failure to Correct Inaccurate Information Dear XXXX Dispute Department , I am writing to dispute inaccuracies on my credit report that persist despite my previous dispute attempts. I recently became aware of the lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against XXXX, which highlights similar issues I have personally encounterednamely, the continued reporting of incorrect information and inadequate handling of consumer disputes. 

The following accounts contain inaccurate information that must be corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] [ THEY SAY I OWE {$130.00} FROM ORIGINALCREDITOR THE GENERAL COMPANY, THAT HANDED THE DEBT OVER TO THEM, BECAUSE THEY WAS DONE WITH IT... 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ THEY SAY I OWE A DEBT {$62.00} FROM ORIGINAL CREDITOR XXXX XXXX WHO THEY SAID PASSED THE DEBT DOWN TO THEM..

As you are aware, under the Fair Credit Reporting Act ( FCRA ), XXXX is required to conduct a thorough and reasonable investigation into consumer disputes and remove or correct any unverifiable, inaccurate, or incomplete information. The CFPBs legal action further emphasizes a pattern of failures in XXXX dispute resolution process, which I have also experienced firsthand. 

I am requesting the following actions : XXXX. A proper and thorough investigation into the disputed items. 


XXXX. Written confirmation of the findings from your investigation. 


XXXX. Immediate removal or correction of any inaccurate or unverifiable information. 


If XXXX fails to properly investigate and resolve these disputes, I will escalate my complaint to the CFPB, the Federal Trade Commission ( FTC ), and explore legal action to enforce my rights under the FCRA. 

Please confirm receipt of this dispute and provide an update within 30 days, as required by law.

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-01-27 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-27 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: MD

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

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 2025-01-27 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: DC

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-01-27 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: NJ

Complaint narrative:
I was reviewing my credit report and noticed some inquiries that do not belong to me. 

XXXX XXXX  - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/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
Consumer complaint received 2025-01-27 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: MO

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 non-monetary relief