vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In the process of Moving i have misplaced my ID some years ago and i also remember seeing email regarding my information being part of the data breach.

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 2025-03-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have severe idendity theft and have since obtained a new social security. XXXX XXXX used a number that was stolen XXXX to sell a vehicle under my name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have severe idendity theft and have since obtained a new social security. XXXX XXXX used a number that was stolen XXXX to sell a vehicle under my name

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 2025-03-09 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I have severe idendity theft and have since obtained a new social security. XXXX XXXX used a number that was stolen XXXX to sell a vehicle under my name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: FL

Complaint narrative:
This account is inaccurately reporting on my credit report and causing emotional distress as it is inaccurately reporting and should be DELETED for violating my FCRA-rights. I have going back and forth with you guys and you keep saying its verified. What method are you using to verify this?? 
I have reached out over thw past few months using Disputes, XXXXXXXX XXXX, and online dispute services. 

The date is different on all credit bureaus and all have failed to show me the steps they choose to verify this information.

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 2025-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: IN

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: IA

Complaint narrative:
I am writing to inform you that I am currently unable to open a checking account due to fraud that has been reported on my ChexSystems report. The fraud has resulted in negative entries on my report, and as a result, financial institutions are refusing to approve my application for a new account.

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 2025-03-09 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: AR

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 non-monetary relief
Consumer complaint received 2025-03-09 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: CA

Complaint narrative:
Im writing because Ive noticed an inquiry on my credit report that I did not authorize, nor did I give consent for it to be made. This was done without my permission, and I need it removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Old accounts over XXXX XXXX XXXX still appear on credit file with Equifax. 
XXXX XXXX XXXX XXXX XXXX I have tried several times to dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: CA

Complaint narrative:
Pursuant to 15USC1681 ( a ) 6 ( B ) 3 I am requesting the MOV ( Method Of Verification ), in writing, used to verify this account. This is my 3rd and final request to receive the information before seeking legal remedy to have this account deleted permanently from my credit profile.

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 2025-03-09 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: Kikoff Inc.
State: GA

Complaint narrative:
i noticed an already closed negative account of XXXX and XXXX  XXXX XXXX on my account and i am very unaware of these XXXX accounts. I believe this is someone trying to use my information and i will be very pleased to see all of these incorrect information on my credit taken care of with immediate effect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
I am filing this complaint because Affirm Inc. and XXXX have inaccurately reported a 30-day late payment on my credit report, which is causing unjust harm to my creditworthiness.

Details of the Issue : Account : Affirm Inc . 
Date of Reported Late Payment : XX/XX/scrub> 2023 Issue : My account was closed on XX/XX/year>2023, yet XXXX and Affirm reported a late payment on XX/XX/year>2023 after closure, which is a clear inconsistency and misreporting. 
Balance : {$0.00} ( the account was paid in full ) Credit Reporting Violation : This incorrect reporting violates the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ), which requires data furnishers to report only accurate and verifiable information. 

Actions Taken : 1. I disputed the late payment with XXXX and requested verification. 
2. I contacted Affirm regarding this issue, but they have failed to correct or provide proof of the validity of this late payment.

3. As of today, the late payment remains on my credit report, negatively affecting my credit score and financial standing.

Requested Resolution : Immediate removal of the inaccurate 30-day late payment from my credit report.

Correction of my account history to reflect Paid as Agreed without any delinquencies. 
Written confirmation from XXXX and Affirm stating the correction has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/year> an unauthorized online cash advance was taken out on my Wells Fargo active cash visa credit card. The amount was XXXX. I asked Wells Fargo to remove it. It wasnt me who did it. Wells Fargo cancelled the credit card and issued a new one. Unfortunately Wells Fargo denied my fraud claim.

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 monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Exto Inc.
State: TX

Complaint narrative:
Ad showed a sign up bonus and the ability to possibly build credit. I signed up. What they don't tell you is that the monthly fee is charged immediately and is nonrefundable. After having it for 24 hours, they were spamming me with 15 emails and 7 text messages within that 24 hours. I decided to cancel. After requesting my cancelation, they charged the monthly fee and stated it was nonrefundable. I was under the impression that I was supplying my banking information to justify my credit worthiness and report to credit bureaus. Very shady business practices and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Starting on XX/XX/XXXX, there have been 20 fake checks that have my company 's Wells Fargo Bank checking account number but wrong names withdrawing money from my account. Wells Fargo only managed to catch 3 of the 20 fake checks and reversed the transactions. By XX/XX/XXXX, {$83000.00} has been withdrawn from my company 's account using such fake checks. 

I discovered the issue and reported to Wells Fargo Bank in early XX/XX/XXXX. The local bank manager pushed me to call customer service instead of filing a report when I visited the Wells Fargo Bank at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called the customer service to file a claim, the person told me to wait for 10 business days for investigation. 

On XX/XX/XXXX, the bank called back, but it was only about replacing my company 's account number. I went to the local bank at the same address on XX/XX/XXXX. A bank clerk said the investigation was ongoing. 

On XX/XX/XXXX, when I called the bank about replacing my bank account number, as suggested by the bank clerk, the customer service said there was no fraud claim on my account at all. I went to the bank office again. And this time, the bank manager filed a fraud claim for me, and told me to wait for 10 business days. 

However, in terms of replacing my account number, because the account is " compromised '', the bank refused to provide much help when my business partner was in XXXX and not near any Wells Fargo Bank. I ended up paying for the shipping fees myself to get the documents signed. 

As of XX/XX/XXXX, the stolen money has not been returned to me yet.

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 monetary relief
Consumer complaint received 2025-03-09 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: NV

Complaint narrative:
I am filing a compiaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX 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 ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) 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.

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 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am filing a compiaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX 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 ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) 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.

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 2025-03-09 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 a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: PA

Complaint narrative:
I am writing to follow up on my previous request for an investigation into the inaccuracies on my credit report, which I initially submitted in XX/XX/XXXX. As of today, I have not received any response from your office, and the incorrect information remains on my report, continuing to harm my credit. This lack of action is both concerning and unacceptable. 

For your reference, the inaccuracies I outlined in my original letter are as follows : - 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 XXXXXX/XX/XXXX Please promptly eliminate the late payment and UPDATE this account immediately. 

I kindly request that this matter will be promptly solve by EXPERIAN As per the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate disputes within 30 days of receiving a formal request. More than [ number of days since the initial request ] days have passed, and I have yet to receive any resolution, confirmation of investigation, or update on this matter. The continued presence of this inaccurate information has severely impacted my creditworthiness and has caused denial of credit, increased interest rates, or emotional distress ''. This delay undermines the confidence I should have in the integrity and efficiency of the processes.

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 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate disputes regarding inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Under this law, credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes inaccurate or incomplete information. 

Despite my repeated disputes, supported by documentation, Equifax has either failed to conduct a reasonable investigation or has improperly verified incorrect information without adequately reviewing my evidence. Additionally, under 15 U.S.C. 1681s-2 ( b ), furnishers of information must investigate disputes forwarded by credit bureaus, but Equifax has failed to ensure compliance with this requirement. Their continued negligence is harming my credit standing and financial well-being.

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 2025-03-09 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: MD

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate disputes regarding inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Under this law, credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes inaccurate or incomplete information. 

Despite my repeated disputes, supported by documentation, Equifax has either failed to conduct a reasonable investigation or has improperly verified incorrect information without adequately reviewing my evidence. Additionally, under 15 U.S.C. 1681s-2 ( b ), furnishers of information must investigate disputes forwarded by credit bureaus, but Equifax has failed to ensure compliance with this requirement. Their continued negligence is harming my credit standing and financial well-being.

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