vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: TN

Complaint narrative:
I Have Been Constantly Receiving Phone Calls From Rent Recovery Solutions The Last 3 Years, Stating That I Owe Them {$3300.00} Acct # XXXX After researching this company this is a third party collection agency that I have no knowledge of, nor signed any document or contract, the condition of this account is Unknown on XXXX, Closed On XXXX & Been Removed On XXXX. 

I Demand Rent Recovery Solution Account Be Removed/Deleted From My Credit Report Immediately & No Longer Contact Me With The Threats & Abusive Language Of Their Customer Service/Support Team.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: NJ

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have too many errors to my credit score, and too many inquiries that I don't know

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 2025-02-18 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: DC

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 2025-02-18 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: TX

Complaint narrative:
I have too many errors to my credit score, and too many inquiries that I don't know

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts Ive marked as inaccurate following include late XXXX  XXXX payments, close accounts and a collection from XXXX on XXXX XXXX, equifax and 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 2025-02-18 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: DC

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
Consumer complaint received 2025-02-18 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: IL

Complaint narrative:
I request the immediate removal and blocking of unauthorized accounts from my credit report. These accounts were not initiated or approved by me, and I have no information regarding their source. As per USC 1681g, I formally ask for their removal within 15 days. Please find the enclosed documents for your reference.

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx, XXXX XXXX XXXX XX/XX/year> Equifax, XXXX, & XXXX Request to Update Address and Remove Inaccurate Accounts I am writing to formally request an update to my personal information and the removal of any inaccurate accounts associated with a previous address. Please update my current address in your records to : XXXX XXXX XXXX XXXX XXXX Tx XXXX Additionally, I have noticed all accounts on my credit report that appear to be linked to an outdated or incorrect address. These accounts do not belong to me and should be removed from my credit report as they are inaccurate. Per the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate and correct these errors by updating my address and removing any accounts that are not associated with me. I have attached copies of my identification and proof of my current address for verification purposes. Please complete this investigation and provide a written response within the legally required 30-day timeframe. If you need any additional information, feel free to contact me at the details provided above. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I got a notice, no mail on my wells fargo app they conducted an investigation and said i was a security risk, concluding they couldn't find something illegal i did. 
Been with them 23 years. XXXX accounts always paid cc and monthly fees which now looking back is XXXX XXXX XXXX dollars. 
The XXXX lady in the security department said I made " XXXX disputes '' I made XXXX dispute from buying clothes overseas. I called their dispute department and the guy who couldn't speak XXXX erroneously put down XXXX claims. I looked at my app and said what are you doing i wanted to know where this XXXX charge was. He said oh I'm very sorry let me fix it. 
45 minutes later he fixes it. 
2 days later I realize the company went by another name called Wells Fargo and said I recognize the charges. 
Wednesday they are closing my accounts because she said " the machine does it '' there is no human to look it over. Thursday I'm getting my tax refund in which the account will be closed. 
My cpa said it would cost me {$3500.00} to redo my taxes because if your refund gets rejected you have to send it in as a XXXX amendment which will take 6 months. This puts me in a financial hardship not beimg able to pay all my other bills, food, credit will go down. 
Wells fargo as you know has a reputation of opening accounts in other people 's name which they did to me years ago. 
This gross negligence by wells fargo needs immediate action, I need an injunction to keep my account open and a mediator to settle all the damages financially and emotionally this has caused me. 
Thank you

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 2025-02-18 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: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security number:XXXX My correct address is : XXXX XXXX XXXX XXXXFloridaXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: OH

Complaint narrative:
An account was opened with chime using my information. This account was opened fraudently. 

Chime is refusing to provide the information of how, and where the account was opened. IP address of person that opened the account was requested and denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I opened a Bank of America Secured Credit card with a Limit of {$500.00} of that {$500.00} I put a down payment of {$100.00} so really {$400.00} limit. I paid off {$450.00} of what I owed XX/XX/year>. I just recently found out Bank Of America allowed companies unbeknownst to me to run that same CC that I and the Bank have a contract of XXXX limit to {$1100.00}. I have called & spoke with countless csr, supervisors with no explanation. I spoke with The fraud department & they actually told me to file a consumers report against BOA because even they couldnt explain the breach of contract & unauthorized charges on this account. They also closed & SOLD this account to a collection agency & is reflecting negativity on my behalf. This have prevented me from getting housing, a vehicle & other necessities I need to not only provide for myself but my XXXX young children. This 100 % is in violation of every statute under 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 2025-02-18 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: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security number:XXXX My correct address is : XXXX XXXX XXXX XXXXFloridaXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

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 2025-02-18 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have followed every required step to dispute inaccurate items on my credit report, yet they remain uncorrected. This situation is unacceptable and must be resolved immediately. 

I strongly believe these discrepancies stem from a data breach and demand their removal without further delay. 

The Fair Credit Reporting Act ( FCRA ) exists to prevent situations like this, where consumers are subjected to unfair and inaccurate reporting. Allowing these errors to remain is not only a violation of my rights but is also harming my financial well-being.

Immediate action is expected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
My brother passed away. I am the Executor of his estate. When notified of his death USAA froze his accounts and locked out all access to his data. 
They have the paperwork on file establishing me as the Executor, along with his death certificate. 
They are denying me access to, or printouts of, his checking, savings, and credit card accounts which I need to : - make Medical Insurance claims. 
- make a XXXX claim. 
- do his taxes. 
- audit amounts and activity. 
USAA 's freeze also stopped all pre-authorized autopays and deposits, although there were ample funds in the accounts, sending his rent and bills into overdue status the next pay due date, which in turn caused extra charges. 

USAA transfered what they claim was in his accounts to mine, per my written instructions, but I have no way of verifying that the amounts they transferred are in actual fact the amounts that were in his accounts.

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 2025-02-18 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I am a victim of identity theft, I've already reached out to companies and credit bureaus and the correct action of deleting negative fraudulent items from My report. 
I received a copy of my credit report and found the following items to be errors, or are deficient of proof of not being untrue, incorrect, incomplete, untimely, not mine, not my responsibility, or else wise not compliant to include to XXXX XXXX reporting standards. 
Here as follows are items in potential error requiring immediate annulment of the retainment APPLE CARD GSBANK XXXX XXXX XXXX XXXX XXXX XXXX Please remove these inaccurate, untrue, incomplete and non-compliant information from my credit report immediately. 
This is a violation of the FCRA and is also a violation of requisite XXXX XXXX Compliance Reporting Standards

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX XXXX XXXX XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Complaint Regarding Incorrect Reporting of a Repossession on My Credit Report Dear CFPB, I am writing to formally file a complaint against [ XXXX ] and Experian, XXXX, and XXXX for inaccurately reporting a repossession on my credit report, despite the fact that the debt has been forgiven and reported to the IRS. 

The debt associated with this repossession was officially forgiven on or by XX/XX/XXXX by XXXX. I also received a Form 1099-C from the creditor, which they reported to the IRS as a cancellation of debt. However, despite this, the repossession is still being reported on my credit file as an outstanding derogatory account. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate and up-to-date information. Reporting a forgiven debt as still active or negatively impacting my credit profile is not only misleading but also violates my rights as a consumer. The continued reporting of this account is causing undue harm to my credit standing and financial well-being. 

I have attempted to resolve this matter by disputing the inaccurate information with both the credit bureaus and the original creditor but they have failed to correct the reporting. I am requesting the CFPB to investigate this issue and ensure that the repossession and any related negative reporting are removed from my credit report in accordance with the 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 explanation
Consumer complaint received 2025-02-18 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Complaint Regarding Incorrect Reporting of a Repossession on My Credit Report Dear CFPB, I am writing to formally file a complaint against [ XXXX ] and XXXX, XXXX, and TransUnion for inaccurately reporting a repossession on my credit report, despite the fact that the debt has been forgiven and reported to the IRS. 

The debt associated with this repossession was officially forgiven on or by XX/XX/XXXX by XXXX. I also received a Form 1099-C from the creditor, which they reported to the IRS as a cancellation of debt. However, despite this, the repossession is still being reported on my credit file as an outstanding derogatory account. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate and up-to-date information. Reporting a forgiven debt as still active or negatively impacting my credit profile is not only misleading but also violates my rights as a consumer. The continued reporting of this account is causing undue harm to my credit standing and financial well-being. 

I have attempted to resolve this matter by disputing the inaccurate information with both the credit bureaus and the original creditor but they have failed to correct the reporting. I am requesting the CFPB to investigate this issue and ensure that the repossession and any related negative reporting are removed from my credit report in accordance with the 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 explanation