vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I request that TransUnion investigate these inquiries, as they were not authorized by me and appear to be the result of identity theft or fraudulent activity. In addition, I have enclosed a copy of my Fraud Alert/Identity Theft Report ( or any other supporting documentation ) 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 explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Per XXXX XXXX request for Wells Fargo Bank to ACH REVERSAL deposited on XX/XX/year> via email. We contacted Wells Fargo Bank and filed ACH reversal claim # ... XXXX on XX/XX/year> however Wells Fargo closed claim # ... XXXX ACH Reversal request on XX/XX/year> their unable to request ACH reversal stating XXXX partner bank XXXX as the originated ACH has to reverse it back to Wells Fargo BanXXXX XXXX 

Please escalate this matter to help us reverse back the ACH transaction deposited from our XXXX XXXX Checking ; Amount Deposited and Dates : {$5000.00} that settled on XX/XX/year> {$5000.00} that settled on XX/XX/year> {$5000.00} that settled on XX/XX/year> {$25.00} that settled on XX/XX/year> ( XXXX XXXX XXXX ) Also XXXX continue to charge us a {$12.00} gold membership fee settled on XX/XX/year> from our Wells Fargo Bank Checking and has lock our XXXX XXXX account access since XX/XX/year> to be able reverse it ourselves to Wells Fargo Bank NA Checking. 

XXXX XXXX is just waiting for Wells Fargo to file for ACH reversal so they can proceed return our XXXX XXXXXXXX checking funds to our Wells Fargo checking account, promptly.

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 2025-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 2025-02-13 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:
I am writing to formally dispute inaccurate information reported on my credit file by XXXX XXXX ( Account # : XXXX ) and recorded by Experian and Equifax. Upon reviewing my credit report from XXXX dated XX/XX/year>, I identified the following inconsistencies : 1. Delinquent Account Reporting Inconsistency : TransUnion reports 0 delinquent accounts, yet Experian and Equifax each report 1 delinquent account for XXXX XXXX ( Account # : XXXX ). 
If this delinquency were valid, it should be consistently reported across all three credit bureaus. 

2. Account Status & Payment History Mismatch : The account in question is reported as " Current '' under the payment status but still appears as delinquent on Experian and Equifax.

This is an apparent contradiction, and I request verification of this reporting.

3. Potential FCRA Violation Incorrect Reporting Period : If this account has been delinquent for over 7 years, it should no longer appear on my report.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c ( a ), negative information must be removed after 7 years. I request the date of the first delinquency to verify compliance. 

4. Failure to Validate Debt Before Reporting : Under 15 U.S.C. 1681s2 ( a ) ( 1 ), a creditor must ensure the accuracy of information before reporting to credit bureaus.

If Capital One failed to notify me of this delinquency, they are in violation of the FCRA and should delete this record.

Requested Resolution : I demand an immediate investigation and removal of this incorrect delinquency if XXXX XXXX can not provide adequate verification. 
I request that the results of this investigation be sent to me in writing within 30 days, as per FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Please treat this as a formal dispute under my rights granted by the FCRA and Fair Debt Collection Practices Act ( FDCPA ). Failure to correct these inaccuracies may result in a formal complaint with regulatory authorities.

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 2025-02-14 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: NY

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 2025-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: U.S. BANCORP
State: OR

Complaint narrative:
I have an auto loan with US Bank. When I receive automated calls from the company, a number that it not their primary customer service number, their automated system requests that I enter my SS information to verify my identity. This automated system is calling ME, not the other way around. 

US Bank is normalizing customers giving away their SS information to automated systems from unknown numbers. This is anti consumer behavior and needs to change. They are opening their customers to potential fraud. 

I notified US Bank of this issue months ago and the customer service rep I spoke to took it seriously and agreed this is an issue. She was not previously aware this is how US Bank handled automated calls.

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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
1 ) XX/XX/XXXX : Letter was sent to Experian requesting a Goodwill Removal due to XXXX XXXX. This account was a joint account with my abuser. I sent in police reports and everything. It was a small amount past due of {$580.00} of which he paid off in XXXX. I received NO RESPONSE. 

2 ) XX/XX/XXXX : Sent letter # XXXX with return receipt- to Experian disputing the information listed under the collection account " Fair Collections and Out XXXX ''. They were reporting the account as an OPEN ACCOUNT with a TERM of 1 month. They were reporting the balance as " not reported '' which makes NO sense. 

3 ) XX/XX/XXXX : Experian responded verifiying it as accurate. Continued to report the paid collection with a 1 month term and OPEN. 

4 ) XX/XX/XXXX : Sent a letter to to Fair Collections and Outsourcing via certified mail return receipt. Asking for them to VERIFY ( not validate ) my account and requested copies of the documentation that was sent to the Credit Reporing Agencies. The letter was indeed received by someone in the company. I never heard back or received any such documentation from Fair Collections and Outsourcing. FAIR COLLECTIONS AND OUTSOURCING HAVE YET TO RESPOND. 

5 ) XX/XX/XXXX : Sent letter # XXXX to Experian. I let them know that I contacted the furnisher directly and after almost two months that no doumentation from the furnisher was sent to me. I sent them a copy of the letter that was sent to the furnisher as well. I asked Experian how were they able to verify the accuracy of this dispute if the furnisher couldn't provide documentation? I requested them to remove the item from my report as it is unverified at this point. 

6 ) XX/XX/XXXX : Experian responded with a ridiculous email stating they believed that they received a dispute request from soemone OTHER THAN ME! Even though my request was sent WITH a photo ID and copy of my SS card. 

Copies of everything are 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 explanation
Consumer complaint received 2025-02-13 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: AL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live 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 2025-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX 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 a Accounts : Professional Debt Me Account # XXXX date opened XX/XX/XXXX bal. {$5600.00}, XXXX Management Service Account XXXX XXXX date opened XX/XX/XXXX bal. {$2000.00}, XXXX XXXX XXXX Account # XXXX********* date opened XX/XX/XXXX bal ;. {$1200.00}, XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$340.00}, XXXX XXXX Intl In Account # XXXX date opened XX/XX/XXXX XXXX {$93.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$41.00}. Inquiries : XXXX XXXX XXXX, culs, carvana, flagship cre, XXXX, 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 XXXXXXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( XXXX ) as proof from the US Federal Trade Commission that all of 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 non-monetary relief
Consumer complaint received 2025-02-13 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to formally request the removal of a collection/charge-off entry related to account number XXXX, originally opened with XXXX and listed as a charge-off/collection on my credit report. The entry listed is dated Date of Charge-Off/Collection. 

I don't fully acknowledge my responsibility for this account, and I have since taken steps to improve my financial management and stability. In acknowledgment of this, I am kindly hoping you might consider this a request for goodwill I am asking for the removal of this negative item from 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 2025-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally request the removal of a collection/charge-off entry related to account number XXXX, originally opened with XXXX and listed as a charge-off/collection on my credit report. The entry listed is dated Date of Charge-Off/Collection. 

I don't fully acknowledge my responsibility for this account, and I have since taken steps to improve my financial management and stability. In acknowledgment of this, I am kindly hoping you might consider this a request for goodwill I am asking for the removal of this negative item from 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 non-monetary relief
Consumer complaint received 2025-02-13 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: PA

Complaint narrative:
I am writing to formally request the removal of a collection/charge-off entry related to account number XXXX, originally opened with XXXX and listed as a charge-off/collection on my credit report. The entry listed is dated Date of Charge-Off/Collection. 

I don't fully acknowledge my responsibility for this account, and I have since taken steps to improve my financial management and stability. In acknowledgment of this, I am kindly hoping you might consider this a request for goodwill I am asking for the removal of this negative item from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I receive updates on credit account through creditwise by XXXX XXXX. They reported potential activity recently. However, Experiaon is refusing to give me access to an online account and credit report. I am unable to see what is being reported. So I need to make this statement. Anything after XX/XX/year>, or after XXXX XXXX is unauthorized. I request a report be sent to me and that the account be blocked and any inquiries or credit account setups be removed as I have no idea what's there after XXXX XXXX and I did not authorize anything else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have requested multiple times for my personal information to be updated with the correct address, name, date of birth SSN, Experian is continuously reporting in accurate information on by report causing negative reporting to my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 ________ These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 XXXX as proof from the US Federal Trade Commission that all of 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 2025-02-13 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 PLEASE REMOVE ALL UNAUTHORIZED FRAUDULENT ACCOUNTS AND INQUIRIES XXXX XXXX, XXXX, {$1400.00} ; XXXX XXXX XXXX, {$0.00} ; XXXX XXXXr XXXX XXXX, {$670.00} XXXX XXXX XXXX, {$1000.00} ; XXXX XXXX XXXX, XXXX, {$7100.00} ; XXXX XXXXf XXXX, XXXX, {$500.00} ; XXXX XXXX, {$450.00} ; XXXX XXXX, {$740.00} ; XXXX XXXX XXXX XXXX XXXX, {$690.00} ; XXXX XXXX XXXX XXXX, {$660.00} ; XXXX XXXX XXXX XXXX XXXX, {$970.00} ; XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: EQUIFAX, INC.
State: NJ

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: FL

Complaint narrative:
Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ).

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights.

I am disputing the following negative items, which I strongly believe may be linked to a data breach : XXXX XXXX XXXX - {$1100.00} I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.

Company response to consumer: Closed with explanation