vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am submitting this formal complaint against Equifax Credit Information Services , Inc for failing to remove unauthorized credit inquiries from my credit report and for their lack of response to my dispute. Despite my request submitted on [ date ], the credit union has not taken appropriate action in accordance with federal law.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, a company may only access my credit report with my explicit consent. If an inquiry was made without my authorization, it constitutes a violation of my rights under FCRA. Additionally, per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies and furnishers of information are required to investigate disputes within 30 days. [ Credit Union Name ] has failed to comply with this legal requirement by not responding or providing evidence of permissible purpose for the inquiry.

Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers of information have a duty to ensure the accuracy of the information they provide to credit reporting agencies. If the inquiry was unauthorized and the credit union failed to correct or remove it, this is a clear violation of the statute. 

I request the CFPB to investigate this matter and take appropriate enforcement action against Equifax Credit Information Services , Inc for noncompliance. I also request that these unauthorized inquiries be removed from my credit report immediately. Enclosed are copies of my original dispute letter, my credit report showing the unauthorized inquiries, and any supporting documentation. 

I appreciate your prompt attention to this matter and look forward to your response. Please keep me informed of any updates regarding my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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 am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : 1. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

2. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX Date of Inquiry : XX/XX/year> Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ). 

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry. 

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect 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 non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I received an advertisement in the mail, stating that Wells Fargo had a special where if you signed up for a bank account with a XXXX XXXX that resulted in at least {$1000.00} being deposited within 90 days ; you would receive a a {$320.00} bonus. I then went online in XXXX of 2024, used the promo code of the advertisement, and opened a bank account. Within 90 days we have over {$1000.00} deposited via XXXX XXXX. After 90 days, we hadn't received the bonus though, so we called Wells Fargo. They told us that maybe it was just taking longer than normal, and to wait. We've done that. We've called back multiple times, and they can't seem to tell us anything about why we haven't received it. We still have the account open, and we still receive a XXXX XXXX there every 2 weeks.

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 2025-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
My sister passed away in XXXX, and I ordered flowers from Amex merchant XXXX. 
The flowers delivered where not described as on their website. Flowers also where delivered wilted and look to be old flowers. I reached out to Amex merchant XXXX to express my dissatisfaction. XXXX would not exchange or credit my card. I than reached out to my Amex to file a claim. The merchant stated that I never called them to complain but for some strange reason they had credited my Amex {$130.00} about one half of the charge. I find this strange if the merchant stated to Amex that I never contacted them why would they credit my card half of the charge. I have reopen this dispute with my Amex on 3 separate occasions and the reply I get from Amex is that they are federal regulated. I have a Amex XXXX card for over 40 years with Amex and can not believe I have to continue to reopen the dispute with them. 
I believe I have rights as a consumer but I believe Amex has not actually read the response from XXXX since XXXX stated I've not contacted them. Unfortinitly XXXX is a big merchant with Amex and Amex does not want to jeperdize that relationship. My sister passed away in XXXX, and I ordered flowers from XXXX, an Amex merchant. Unfortunately, the flowers that were delivered did not match the description on their website. Additionally, the flowers arrived wilted and appeared to be old. I reached out to XXXX to express my dissatisfaction, but they refused to exchange the flowers or issue a credit to my card. 

Subsequently, I contacted American Express to file a claim. The merchant claimed that I never called to complain, yet somehow they credited my Amex account {$130.00}, which is about half of the total charge. I find this situation perplexing. If XXXX stated to Amex that I never contacted them, why would they issue a partial credit? 

I have reopened this dispute with Amex on three separate occasions, but their response has been that they are federally regulated. I have held an American Express XXXX card for over 40 years and can not believe I have to keep reopening this issue. 

I believe I have rights as a consumer, but it feels as though Amex has not thoroughly reviewed XXXX 's response. XXXX is a large merchant with Amex, and I suspect that Amex does not want to jeopardize that relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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 non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Harris & Harris, Ltd.
State: AR

Complaint narrative:
I disputed the collections with XXXX in XX/XX/year>. They never responded or provided proof of the debt. 


Please remove this item from my credit report immediately thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
According to the IRS, an unpaid charge off is income. According to the FCRA, income can not be reported on a credit report. I have received a 1099-C for the accounts listed here : ( Account Numbers : XXXX, XXXX, XXXX, XXXX, XXXX*After checking a copy of my most recent report, it appears these accounts are still being reported. These accounts can not be reported on my credit report ( according to law ), not even to mention violation of 15 US Code 1601b. I demand these accounts to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: KY

Complaint narrative:
Subject : Complaint Regarding Improper Credit Reporting and Invalid Debt Ownership To Whom It May Concern, I am submitting this complaint regarding an account reported by XXXX XXXXXXXX on my TransUnion credit report. I believe this account contains inaccurate information and is improperly reported. Below are the details of the issues : 1. Improper Reporting and Inaccuracy The account reflects a status of Charged off as bad debt, which I dispute as inaccurate. I have not received proper validation of this debt. 
The balance, credit limit, and other details appear inconsistent, and the information has changed without proper notice or verification. 
XXXX. Invalid Debt Ownership The report states Company Sold, yet no details are provided regarding the current owner of the debt. I have not been informed of a sale, nor have I been contacted by a new creditor. 
If this debt was sold, the original creditor should not be reporting a balance. The new owner of the debt, if any, should be responsible for reporting it. 
XXXX. Dispute Process Issue The report notes Dispute resolved reported by grantor, but I was not provided sufficient evidence of validation or proper resolution. My right to a fair dispute process under the Fair Credit Reporting Act ( FCRA ) has been violated. 

Given these issues, I formally request : Immediate investigation into this account and correction or removal of any inaccurate or unverifiable information. 
Documentation validating the ownership and legitimacy of this debt. 
A written response explaining the findings and any actions taken. 

If this matter is not resolved in compliance with the FCRA, I am prepared to escalate my complaint and explore legal remedies. 

Please confirm receipt of this complaint and provide an update as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Im absolutely livid to find inaccurate information on my credit report that doesnt even follow FCRA guidelines. This is not only frustrating but completely unacceptable. I have trusted you with my personal data, and seeing something so blatantly wrong on my report is beyond disappointing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: VA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-03-06 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: VA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: PA

Complaint narrative:
I purchased XXXX XXXX Vanilla gift cards @ {$500.00} each only one was permitted to be activated. As of this writing I have made XXXX calls. Each time I've been told my problem is under review. On XXXX occasions I have supplied them with documentation requested via email. This documentation included pictures of the front and back and receipts of the cards in question. They did respond to these emails. There is XXXX XXXX people in XXXX I have spoken to so many I am now qualified to be an interpreter for the XXXX. They continually lie and claim my problem will be rectified in XXXX XXXX hours. During my last call they told me to wail another XXXX days. It has been over XXXX  days since I purchased these cards. Any help will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: NY

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX 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