vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-03-05 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 am filing a formal complaint against TransUnion, Experian, and Equifax for reporting several accounts on my credit file that are the result of unauthorized use of my Social Security number. These accounts were not opened by me and do not reflect any actions I have taken. 

I previously filed a police report in XXXX XXXX regarding identity theft and have recently discovered additional unauthorized accounts on my credit report. I have also filed a Federal Trade Commission ( FTC ) Identity Theft Report, which is attached for reference. 

Under 15 U.S. Code 1681c2, I am requesting the immediate removal of the following accounts from my credit report within XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX writing to formally dispute an inaccurate item on my credit report. The information related to an account with XXXX XXXX XXXX  is incorrect and should be permanently removed from my credit file. 

The details of the disputed account are as follows : Creditor Name : XXXX XXXX XXXX Account Status : Closed In Collections/Charge-off Balance Reported : {$17000.00} Date Closed : XX/XX/year> Payment History Issues : XXXX days late, multiple missed payments Upon reviewing my credit report, I found errors and inconsistencies related to this account. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough investigation into this matter. I believe this account is inaccurate or unverifiable and should be deleted entirely from my credit report. 

Please find enclosed copies of my identification and supporting documents for verification. I kindly request that you investigate this claim and remove the account from my credit report immediately. If the disputed information can not be verified, I expect it to be deleted in accordance with the FCRA. 

I would appreciate a written response confirming the results of your investigation. If the account is not removed, please provide documentation verifying its accuracy. Thank you for your time and prompt attention to this matter. 

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 non-monetary relief
Consumer complaint received 2025-03-06 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:
Subject : Formal Dispute of Inaccurate Credit Report Information Under FCRA ( 15 U.S.C. 1681b & 15 U.S.C. 1681i ) To whom it may concern, I am writing to formally dispute inaccurate and unauthorized information on my credit report. 
Under my rights granted by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I request that you investigate and correct the following items immediately. Additionally, I am invoking 15 U.S.C. 
1681b, which restricts access to my credit report to permissible purposes only. 
Upon reviewing my credit report, I found multiple errors that require your immediate attention. 
Disputed Accounts : 1. XXXX XXXX - Account # XXXX Issue : This account is reported as a charge-off, but I do not recognize this debt. Please provide documentation verifying its validity or remove it. 
2. XXXX XXXX - Account # XXXX Issue : This account is reported as a charge-off, but I do not recognize this debt. Please provide documentation verifying its validity or remove it. 
3. XXXX XXXX XXXX - Account # XXXX Issue : This account is marked as charged off, but I have not received prior notice of this. If the information can not be verified, I request its deletion. 
4. XXXX XXXX - Account # XXXX Issue : This account is reported as a charge-off, but I do not recognize this debt. Please provide documentation verifying its validity or remove it. 
5. XXXX XXXX XXXX - Account # XXXX Issue : This account is reported as a charge-off, but I do not recognize this debt. Please provide documentation verifying its validity or remove it. 
6. XXXX XXXX Account # XXXX Issue : Late payments are being reported inaccurately and I do not recognize this debt. Please provide documentation verifying its validity or remove it. 
These accounts contain inaccurate, incomplete, or unverifiable information, and I am requesting an investigation into their validity. If they can not be verified with supporting documentation, they must be removed from my credit report under FCRA 15 U.S.C. 1681i. 
Unauthorized Credit Inquiries Dispute ( 15 U.S.C. 1681b Violation )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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:
Subject : Formal Dispute of Inaccurate Credit Report Information Under FCRA ( 15 U.S.C. 1681b & 15 U.S.C. 1681i ) To whom it may concern, I am writing to formally dispute inaccurate and unauthorized information on my credit report. 
Under my rights granted by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I request that you investigate and correct the following items immediately. Additionally, I am invoking 15 U.S.C. 
1681b, which restricts access to my credit report to permissible purposes only. 
Upon reviewing my credit report, I found multiple errors that require your immediate attention. 
Disputed Accounts : 1. XXXX XXXX - Account # XXXX Issue : This account is reported as a charge-off, but I do not recognize this debt. Please provide documentation verifying its validity or remove it. 
2. XXXX XXXX - Account # XXXX Issue : This account is reported as a charge-off, but I do not recognize this debt. Please provide documentation verifying its validity or remove it. 
3. XXXX XXXX XXXX - Account # XXXX Issue : This account is marked as charged off, but I have not received prior notice of this. If the information can not be verified, I request its deletion. 
4. XXXX XXXX - Account # XXXX Issue : This account is reported as a charge-off, but I do not recognize this debt. Please provide documentation verifying its validity or remove it. 
5. XXXX XXXX XXXX - Account # XXXX Issue : This account is reported as a charge-off, but I do not recognize this debt. Please provide documentation verifying its validity or remove it. 
6. XXXX XXXX Account # XXXX Issue : Late payments are being reported inaccurately and I do not recognize this debt. Please provide documentation verifying its validity or remove it. 
These accounts contain inaccurate, incomplete, or unverifiable information, and I am requesting an investigation into their validity. If they can not be verified with supporting documentation, they must be removed from my credit report under FCRA 15 U.S.C. 1681i. 
Unauthorized Credit Inquiries Dispute ( 15 U.S.C. 1681b Violation )

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 2025-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Someone get into my account using my debit card number and wiped out my entire checking account. Wells Fargo should have contacted me to let me know of suspicious transactions but they did not. I never made those transactions which I reported to Wells Fargo. When I looked at the complaint I filed today, they put that I " did not remember the transaction, '' That is absolutely not what I said. They canceled my debit card but today I find that although the card was canceled, they still let someone make a transaction using the " canceled '' debit card number. I explained that my direct payments to companies are being denied and I need them to put my money back in my account I can not buy groceries, pay my rent, or buy gas because all my money was taken. 
I am of the opinion that someone in the bank itself is either in collusion with whomever is committing the fraud or a bank employee is doing it. This is the third time in XXXX years this has happened to me with my Wells Fargo account. 
I believe that lots of other people are similarly situated and we need to start a class action so this practice can stop.

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 2025-03-05 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: FL

Complaint narrative:
These 3 inquiries that are reporting on my TRANSUNION credit report ( SEE ATTACHED ) are fraudulent, inaccurate, and unverifiable. ( PLEASE SEE ATTACHED )

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 2025-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
Hello this is XXXX XXXX from XXXX XXXX Im having problems receiving my check for the complaint I made last month. The reason is my address is ( XXXX XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX. But I mistakenly wrote XXXX XXXX XXXX XXXXXXXX XXXX unfortunately the address was incorrect that was because I was in a rush to make a complaint. Please help me find a solution to this and REISSUE new CHECK to ( XXXX XXXX XXXX XXXX KY XXXX ). I will really appreciate this its my

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello, I was looking at my credit report recently because I seen some errors related to my credit history. The credit reporting agencies have the responsibility to accurately report this information to me and I have never been late on any payments on my XXXX XXXX  ending in XXXX. I ask that you swiftly remove any late payments that can not be verified. Not only that, my report shows from one bureau Equifax states that I have XXXX revolving credit accounts totaling in {$5000.00} and on Trans Union it says {$2000.00} which is information that directly conflicts each other as I only have XXXX revolving account which is my XXXX XXXX. It also says I have a 14 year credit history and I'm only XXXX XXXX XXXX so I don't know why my credit history is being reflected this way? Doesn't really make sense and its hurting my credit massively.

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 2025-03-05 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: NY

Complaint narrative:
Hello, I was looking at my credit report recently because I seen some errors related to my credit history. The credit reporting agencies have the responsibility to accurately report this information to me and I have never been late on any payments on my XXXX XXXX  ending in XXXX. I ask that you swiftly remove any late payments that can not be verified. Not only that, my report shows from one bureau Equifax states that I have XXXX revolving credit accounts totaling in {$5000.00} and on Trans Union it says {$2000.00} which is information that directly conflicts each other as I only have XXXX revolving account which is my XXXX XXXX. It also says I have a 14 year credit history and I'm only XXXX XXXX XXXX so I don't know why my credit history is being reflected this way? Doesn't really make sense and its hurting my credit massively.

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 2025-03-05 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: GA

Complaint narrative:
XXXX XXXX, XXXXXXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXXInquiry XXXXInquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXXXXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX XXXX  XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX, XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-05 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: NC

Complaint narrative:
My personal information was exposed in several data breaches. Under the FCRA I am able to dispute unfair practices and correct inaccuracies related to my credit report. My credit report was exposed in my place of employment through XXXX in XXXX XXXX and also through Experian.

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 2025-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX {$180.00} XX/XX/year> This account isn't mine and I am unaware of this account. I am unaware of this account and debt. please remove it off of my credit report. I believe it is a result of the XXXX data breach or identity theft. Please check and review the attachments below.

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 2025-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: MO

Complaint narrative:
I attended XXXX XXXX XXXX XXXX XXXX. I only attended school for a month before having to leave due to my transportation failure.My truck needed repairs so I stopped attending school. I went on with life when sometime ago I was receiving literature from XXXX for repayment to the school but it was for {$40.00} plus thousands dollars. I filled complaints that went unanswered. They put it on my credit report sometime after that which did a lot of damage to my credit score I was buried in debt. XXXX was recently sued and found negligent in there student loan practices. Fast XXXX I am now receiving literature from a company whom in which the debt was passed to, Edfinancial. This is fraudulent due to the negligence of XXXX from 2011. All studies who have attended vatterotte institutions should have been forgiven because they too have been sue and close due to negligence. I request a further investigation of this matter. 
Redeemed in lawful money pursuant to 12 u.s.c. 411 All credits and debits must be settled in lawful money. I demand full discharge Of this obligation in lawful money. Public debt obligation 31u.s.c 5118 ( a ) ( 2 ) Calvin Smith Jr. UCC 1-308

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: AR

Complaint narrative:
I purchased a gift card on XX/XX/year> for {$500.00}. I have not been able to use the card and each time I call customer service they tell me to call back in XXXX hours. This is a none thing being done by this company because I have purchased a few, and my coworkers purchased them, and they give the same issue and response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I requested validation of debt, despite my effort they didnt responded me back and are calling me and threat to report on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: TN

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: TX

Complaint narrative:
I am filing a formal complaint against TransUnion, Experian, and Equifax for reporting several accounts on my credit file that are the result of unauthorized use of my Social Security number. These accounts were not opened by me and do not reflect any actions I have taken. 

I previously filed a police report in XXXX XXXX regarding identity theft and have recently discovered additional unauthorized accounts on my credit report. I have also filed a Federal Trade Commission ( FTC ) Identity Theft Report, which is attached for reference. 

Under 15 U.S. Code 1681c2, I am requesting the immediate removal of the following accounts from my credit report within XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation