vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 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: FL

Complaint narrative:
This complaint was already manged and all their inaccurate information and/or related info about this collection was removed before from all my credit bureau , this resolution # XXXX. Now, the debt collector sold this account again and XXXX accepted this same debt, I sent a complaint for review and the answer was that all was accurate. The other XXXX credit bureau had removed this attemp to collect through my credit report.

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 2025-07-13 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: NY

Complaint narrative:
please remove the following fraudulent accounts due to data breach identity theft.please see supporting documents and ftc report attached pertaining to EQUIFAX data breach identity theft. 

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX { Last 4 SSN XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX } Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Urgent Dispute of Fraudulent Accounts Due to Data Breach Identity Theft Report # XXXX Dear Equifax Dispute Resolution Team, I am writing to urgently dispute multiple fraudulent accounts that have been opened in my name and linked to my Social Security number as a result of the Equifax data breach. I have included a copy of my Identity Theft Report # XXXX ) for your reference. As a victim of this breach, I have identified unauthorized accounts that I did not open or authorize. 
The details of the fraudulent account are as follows : ACCOUNT. OPEN DATE XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 USC 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of your receipt of this letter. Should you fail to respond adequately, I may pursue a small claims action against your agency, seeking damages of {$1000.00} per violation under 15 U.S.C. 1692k for the following reasons : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation of 15 U.S. Code 1681o Violation of 15 U.S. Code 1681n ( b ) ( Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681b ) Violations under 15 U.S. Code 1681c Violation of 15 U.S. Code 1681a ( 4 ) ( Right to privacy ) Under 15 U.S.C. 1681 ii ( 7 ) ( Method of verification ) Thank you for your urgent attention to this critical matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filed this complaint because Experian is reporting inaccurate personal information on my credit report, including incorrect names, and addresses and may be impacting my credit unfairly.

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 2025-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
A random credit collection agency set me up on a payment system. No notice, no questions, not making sure they have the right person. I responded to the email I am not paying this debt because there should be full validation and verefication beforehand. They stopped responding and once I check my credit again it says derogertory mark. stating that on XX/XX/XXXX this company went and added it to my credit. While I checked on XX/XX/XXXX the collection was not on my account at all. Meanwhile on credit karma it says the collection was added on last month. I am disputing the charge collection of {$620.00} from RESURGENT RECEIVABLES LLC. As I had no notice at all, or any valadation the debt is mine it is a violation under the fair debt collection practices act FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
This is a formal supplemental statement regarding CFPB Complaint XXXX XXXXXXXX, which was recently closed by Wells Fargo despite major omissions and misrepresentations by Wells Fargo that go to the heart of our dispute. Specifically see XX/XX/XXXX email from Wells Fargo in attachment.

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 2025-07-13 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: FL

Complaint narrative:
This account has been charged off and reportedly transferred to another creditor. However, the information being reported on my credit report contains inaccuracies, including ( but not limited to ) :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX DC XXXX Subject : Formal Complaint Request to remove from credit report based on non-verifiable To whom it ay concern : I am filing this formal complaint regarding inaccurate and unverifiable information on my credit reports maintained by Experian and XXXX  Both credit bureaus continue to report a bankruptcy despite multiple disputes and my submission of supporting documentation that proves the bankruptcy record can not be verified. 

I have obtained letters from both th bankruptcy court and Pacer ( Public Access to Court Electronic Records ) confirming that they do not verify bankruptcy information with credit reporting agencies. Additionally, they are not affiliated with XXXX XXXX or any third-party data furnisher. Therefore, the continued verification by Experian and Equifax lacks a valid source and violates the Fair Credit Reporting Act ( FCRA ), specifically Section 611, which mandates that disputed information must be accurate and verifiable or it must be removed. 

Despite multiple disputes, both credit bureaus have stated that the information is verified, ut have failed to disclose how and through whom. This is a direct violation of my rights under the FCRA, and the presence of this inaccurate and unverifiable bankruptcy on my credit report is causing ongoing harm to my creditworthiness. 

I am requesting the CFPB to intervene and ensure this bankruptcy record is removed from both Experian and XXXX due to failure to verify the information with a reliable and original source. 

I have attached the following documentation for your review : Copy of the credit reports showing the bankruptcy listing Dispute letters to Experian Letter from bankruptcy court Letter from Pacer Proof that XXXX XXXX is not affiliated with bankruptcy court or Pacer Please investigate this matter and ensure my credit reports are corrected in accordance with the law. 

Sincerely, 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 2025-07-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: ZIONS BANCORPORATION

Complaint narrative:
XXXXXXXX XXXX in XXXX XXXX sent a letter that there was a late payment on a safety deposit box. We lived in XXXX for several years and in XXXX we moved to XXXX. We kept a checking account and credit card at the bank but never had a safety deposit box. We called the bank in late XXXX and they insisted we had a safety deposit box in XXXXXXXX XXXX Today we received a late payment notice in the mail for rent of a safety deposit box. Honestly we cant seem to communicate with anyone to give us any information. Our concern is is someone using our name and have a box in XXXX We are at a loss to know who we can contact to find out what is going on. We have never been billed for or had a safety deposit box and in XXXX of XXXX we receive a notice we are delinquent. Appreciate any information you can give us

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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Dear XXXX, I am writing to respectfully request a goodwill deletion of my account currently being reported to the credit bureaus. At the time of the reported delinquency, I was facing a period of financial hardship due to job loss, which impacted my ability to meet payment obligations. 

In addition to the hardship, there is a clear reporting inaccuracy that I would like to address. One of my credit reports lists only one XXXX account, while the others report two. This inconsistency raises concerns under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), which requires that all information furnished to consumer reporting agencies be accurate and verifiable. 

Furthermore, this account is nearing the 7-year reporting limit from the original date of delinquency. As stipulated under 15 U.S.C. 1681c ( a ) ( 4 ), most negative credit information must be removed after 7 years, and this account is only a few months away from qualifying for that automatic deletion. 

Given the combination of financial hardship, the current reporting discrepancy, and the accounts age, I respectfully request that XXXX consider removing this account from my credit reports as a gesture of goodwill. 

Thank you for your time and 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 2025-07-13 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX XXXX : XX/XX/XXXXXXXX  SSN ( last 4 digits ) XXXX Date : XX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXXXXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Subject : Cease and Desist Removal of Fraudulent Accounts and Inquiries from My Credit Report Dear Whom it May Concern, I am writing to formally demand that you immediately cease and desist from reporting, retaining, or disseminating fraudulent and unauthorized inquiries and accounts associated with my credit profile. 

I, XXXX XXXX XXXX, have not authorized or initiated any of the following inquiries or accounts. They are a result of identity theft, and I am requesting immediate investigation and permanent removal from my credit file : Unauthorized Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Dates : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Fraudulent and Disputed Accounts : XXXX {$9200.00} Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$420.00} Reported XX/XX/XXXX ( Closed ) XXXX XXXX XXXX XXXXXXXX {$460.00} Reported XX/XX/XXXX ( Closed ) XXXX XXXX XXXX XXXX {$0.00} Reported XX/XX/XXXX ( Closed ) XXXX {$0.00} Reported XX/XX/XXXX ( Closed ) XXXX XXXX XXXX  {$790.00} Reported XX/XX/XXXX ( Closed ) XXXX  {$420.00} Reported XX/XX/XXXX ( Closed ) XXXX {$0.00} Reported XX/XX/XXXX ( Closed ) XXXX {$1000.00} Reported XX/XX/XXXXXXXX  ( Closed ) These items are fraudulent, and I did not authorize them at any time. I have already filed a formal identity theft report and submitted complaints to the FTC via IdentityTheft.gov. I am also pursuing legal options as necessary. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am asserting my right to dispute inaccurate, unauthorized, and fraudulent information. 

I demand that : 1. All listed fraudulent inquiries and accounts be deleted immediately from my credit file.

2. A confirmation letter be sent to me in writing verifying their permanent removal.

3. My credit report be corrected and updated across all three credit bureaus. 

Please consider this a formal notice and Cease and Desist from reporting these accounts and inquiries, which were made without my consent and constitute a serious violation of my consumer rights. 

Sincerely, XXXX XXXX XXXX Signature :

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 2025-07-13 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX XXXX : XX/XX/XXXXXXXX  SSN ( last 4 digits ) XXXX Date : XX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXXXXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Subject : Cease and Desist Removal of Fraudulent Accounts and Inquiries from My Credit Report Dear Whom it May Concern, I am writing to formally demand that you immediately cease and desist from reporting, retaining, or disseminating fraudulent and unauthorized inquiries and accounts associated with my credit profile. 

I, XXXX XXXX XXXX, have not authorized or initiated any of the following inquiries or accounts. They are a result of identity theft, and I am requesting immediate investigation and permanent removal from my credit file : Unauthorized Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Dates : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Fraudulent and Disputed Accounts : XXXX {$9200.00} Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$420.00} Reported XX/XX/XXXX ( Closed ) XXXX XXXX XXXX XXXXXXXX {$460.00} Reported XX/XX/XXXX ( Closed ) XXXX XXXX XXXX XXXX {$0.00} Reported XX/XX/XXXX ( Closed ) XXXX {$0.00} Reported XX/XX/XXXX ( Closed ) XXXX XXXX XXXX  {$790.00} Reported XX/XX/XXXX ( Closed ) XXXX  {$420.00} Reported XX/XX/XXXX ( Closed ) XXXX {$0.00} Reported XX/XX/XXXX ( Closed ) XXXX {$1000.00} Reported XX/XX/XXXXXXXX  ( Closed ) These items are fraudulent, and I did not authorize them at any time. I have already filed a formal identity theft report and submitted complaints to the FTC via IdentityTheft.gov. I am also pursuing legal options as necessary. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am asserting my right to dispute inaccurate, unauthorized, and fraudulent information. 

I demand that : 1. All listed fraudulent inquiries and accounts be deleted immediately from my credit file.

2. A confirmation letter be sent to me in writing verifying their permanent removal.

3. My credit report be corrected and updated across all three credit bureaus. 

Please consider this a formal notice and Cease and Desist from reporting these accounts and inquiries, which were made without my consent and constitute a serious violation of my consumer rights. 

Sincerely, XXXX XXXX XXXX Signature :

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 2025-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I XXXX XXXX would like to make a complaint against Wells Fargo. I fell victim to a loan scam and as a reward to me Wells Fargo decided to close my account because the loan company I applied at hacked into my account and got a hold of my username and password. I am XXXX and I receive SSDI through social security and I am unable to change my direct deposit info easily with social security because they won't let me change my info over the phone. I also take care of my XXXX mom who is bed bound and I can't leave her a lone to change my direct deposit at my local social security office. In stead of protecting me they decide to close my account. XXXX of the supervisors I spoke with was very rude to me and was very disrespectful to me. She told me receiving my money is not her problem/Wells Fargo problem. Another rep told me I am XXXX XXXX  and I'm not important enough or pretty much not make enough money to keep my account open or help me in anyway.. I feel like Wells Fargo doesn't care about me and don't care how this will effect me. This will literally financially ruin me not being able to access my money. I also have XXXX children and pets to take care of. This is very depressing and I am very destraught over this whole ordeal. They even locked me out of my account and I can't access my login and bank statements. I can't lock or unlock my debit card either.

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 2025-07-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have sent XXXX seperate attempts in writing to Transunion. They keep kicking my letters back saying they dont believe its me sending the letters. When I call them they just tell me I have to resend letters. I am sending them dispute letters on there reporting. I can not get them to take my disputes serious and now I have to get an attorney on these guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: CA

Complaint narrative:
I have sent XXXX seperate attempts in writing to Transunion. They keep kicking my letters back saying they dont believe its me sending the letters. When I call them they just tell me I have to resend letters. I am sending them dispute letters on there reporting. I can not get them to take my disputes serious and now I have to get an attorney on these guys.

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 2025-07-14 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: Early Warning Services, LLC
State: SC

Complaint narrative:
XXXX : XXXX ID Type : Driver 's License ID Number : XXXX Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX Sc Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account nimberg. 
Bank : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I don't recognize the following accounts in question, I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Early Warnings Consumer report immediately! I've attached a copy of the report to this request Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation