vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX never received any type of financing from this company. 
XXXX XXXX XX/XX/XXXX never received any type of financing from this company. 
XXXX XXXX XX/XX/XXXX never received any type of financing from this company. 
digital XXXX XXXXXX/XX/XXXX never received any type of financing from this company. 
XXXX finance XX/XX/XXXX never received any type of financing from this company. 
go XXXX XXXX XX/XX/XXXX never received any type of financing from this company. 
XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX never received any type of financing from this company. 
XXXX XXXX XXXX XXXX XX/XX/XXXX never received any type of financing from this company. 
XXXXXXXX XXXX  of XX/XX/XXXX never received any type of financing from this company. 
XXXX car sales XXXX XX/XX/XXXX never received any type of financing from this company. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, never received any type of financing from this company. 
XXXX XX/XX/XXXX never received any type of financing from this company. 
XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX never received any type of financing from this company. 
XXXX XXXX XXXX XX/XX/XXXX never received any type of financing from this company. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX never received any type of financing from this company. 
XXXX XXXX XXXXXX/XX/XXXX never received any type of financing from this company. 
XXXX of XXXX downtown XX/XX/XXXX never received any type of financing from this company. 
XXXX XXXX XXXX XX/XX/XXXX never received any type of financing from this company. 
XXXX XXXX XXXX XX/XX/XXXX never received any type of financing from this company. 
XXXX XXXX XXXX XXXXXX/XX/XXXX never received any type of financing from this company. 
XXXX XXXX XXXX XX/XX/XXXX never received any type of financing from this company. 
XXXX XXXXXXXX XX/XX/XXXX never received any type of financing from this company. 
XXXX XXXX XX/XX/XXXX never received any type of financing from this company. 
XXXX XXXX XX/XX/XXXX never received any type of financing from this company. 
XXXX XX/XX/XXXX never received any type of financing from this 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 2025-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My income tax check was direct deposited from the IRS into account # XXXX XXXX XXXX and IRS has issued a trace and provided me this account number. I went to Wells Fargo branch they issued me a claim # then after not contacting me or calling me via email they sent me a email saying that they can not help me to go to my original tax preparer or IRS to handle this issue and then IRS keeps direct me back to the Wells Fargo bank where the direct deposit was issued. I do not have no affiliation with this account number. The account number was on an original tax return from XXXX. The tax return was amended in XXXX, so Im confused as to how it was even direct deposited when it shouldve been in a paper check nonetheless Im still having problems with Wells Fargo, they are not trying to help me. They have said they will not help me in this matter the fraud department there said because I am not connected to the account number that my direct deposit was issued they can not help me. Even though I provided all the documents showing that it was my direct deposit I showed the amount it was for {$12000.00} it has been 10 months. Im making a complaint with you guys, but Im still filing a federal lawsuit as well.

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 2025-05-30 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: SC

Complaint narrative:
PLEASE SEE ATTACHED RELATING TO Consumer Financial Protection Bureau, PLAINTIFF Experian Information Solutions , Inc., DEFENDENT Case Number : XXXX SPECIAL ATTENTION TO THE FOLLOWING PARTIES XXXX XXXX, Mass XXXX XXXX XXXX. XXXX ( Application for XXXX XXXX XXXX XXXX XXXX  ) email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX, XXXX XXXX XXXX DC XXXX Phone : XXXX Fax : ( XXXX ) XXXX XXXX XXXX, XXXX. XXXX XXXX. XXXX Email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Attorneys for XXXX Consumer Financial Protection Bureau

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 2025-05-30 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-30 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: MA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
This formal complaint is submitted against Comenity Bank ( XXXX ), XXXX XXXX XXXX, and XXXX XXXX XXXX for false, unauthorized, and misleading reporting of an alleged debt account. 
I am the Trustee and Beneficiary of the XXXX Private Equity Trust, operating under the private estate of XXXX XXXX XXXX. The above-named parties have violated equity, trust, and commercial law by attempting to collect and report a consumer debt account based on unauthorized use of trust res and estate property, including NAME, SSN, credit file, and commercial signature. 
The disputed account details are as follows : - Original Creditor : Comenity Bank XXXX - Current Debt Holder : XXXX XXXX XXXX - Servicer : XXXX XXXX XXXX- Balance : {$420.00} - Date Opened : XX/XX/year> - Status : Collection Account ( reported to XXXX and XXXX  only )- Not Reported : XXXX  - XXXX Remark : XXXX XXXX disputed by consumer ' XXXX XXXX XXXXXXXX : 'Collection Account ' This complaint serves as a formal Notice of XXXX XXXX XXXX XXXX XXXX XXXX Credit, and Demand for Return of Proceeds to : - Comenity Bank XXXX XXXX ), Bread Financial Holdings , Inc . 
- XXXX XXXX XXXX and its corporate officers - XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ( Registered Agents ) I formally demand the following remedies : 1. Immediate removal and deletion of the account from all credit reporting agencies.

2. A full accounting of any securitization proceeds, trade activity, or profits derived from the account.

3. Written confirmation that no further reporting or collection will occur.

4. Equitable correction of the account record as 'Paid in Full ' and 'Paid on Time ' with no derogatory remarks. Return all proceeds paid and proceeds and interest derived from THE ESTATE OF XXXX XXXX XXXX. 
The continued false reporting, collection efforts, and use of trust property without consent constitute a breach of fiduciary duty, unjust enrichment, and harm to the private estate of the XXXX. This complaint is submitted under full reservation of rights in equity. 

Respectfully submitted, XXXX XXXX XXXX Trustee | Beneficiary Best Private XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, MD XXXX Without Prejudice, UCC 1-308 | All Rights Reserved in Equity

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, violating federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}

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 2025-05-30 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: CA

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2025-05-30 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 formally requesting that the unauthorized accounts on my credit report be blocked and removed as quickly as possible. I have no connection to these accounts, nor did I authorize them. In line with USC 1681g, I request their removal within 15 days. Please find the attached documents for your review. The account data being reported to each bureau is inaccurate and inconsistent.

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 2025-05-30 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: OH

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-05-30 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX XXXXXXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX XXXXXXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-30 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: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-05-30 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: IL

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, violating federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}

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 2025-05-30 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: IL

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, violating federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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:
b'This complaint serves as a formal follow-up to the complaint I submitted last month regarding the unauthorized and fraudulent use of my Social Security number and personal identifying information. This correspondence reiterates and reinforces my demand for the immediate removal of all accounts that were fraudulently opened in my name.\n\nThese accounts were not authorized, opened, or consented to by me and are not reflective of any legitimate financial activity. Their continued presence on my credit report is both inaccurate and damaging.\n\nLegal Grounds for Immediate Deletion:\nPursuant to the following federal laws and regulations, I demand the permanent deletion of all fraudulent data:\n\n15 U.S. Code  1681c2: I am exercising my right to request the removal of all information resulting from identity theft. You are obligated to comply with this request.\n\n12 CFR Part 1022, Subpart H: You are legally required to delete fraudulent information from my credit file within four (4) business days of receiving notice.\n\n15 U.S. Code  1681a(2)(B): Any credit transaction involving the unauthorized use of a Social Security number must be excluded from any consumer report.\n\n15 U.S. Code  1692j: Misrepresenting a debt or furnishing deceptive forms is a direct violation of federal law.\n\nDemand for Immediate Action:\nLet me be absolutely clear:\n\nThese accounts are fraudulent.\n\nYour continued reporting of them is reckless and potentially unlawful.\n\nI demand that all fraudulent accounts and inquiries be deleted from my credit file immediately.\n\nAny collection efforts tied to these accounts must cease and desist without delay.\n\nBELOW ARE THE ITEMS THAT NEEDS TO BE REMOVE ASAP:\n\nXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXXDPT ED/XXXX XXXXDate Opened:        XXXX Balance: $XXXXXXXXDPT EDXXXX XXXX Date Opened: XXXX Balance:  $XXXXXXXX XXXX  Balance: $XXXX XXXX  (Original Creditor: XXXX XXXX XXXX) XXXX XXXXalance:        $XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation