vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-29 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 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 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 non-monetary relief
Consumer complaint received 2025-03-29 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: TX

Complaint narrative:
Consumer Name : XXXX 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 Equifax 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 collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 # ( private case number ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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:
please block these accounts from your 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 2025-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I do not recognize not nor did I approve of any of these hard inquiries XXXX XXXX XXXX XXXX XXXX which makes them fraudulent These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Disputed item on credit report however credit bureau stated accounts were verified. I havnt recieved method of verification or any documentation with my wet signature to indicate accounts are mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
After serving 15 consecutive years in prison and multiple failed attempts to open a bank account once freed, I was informed that I some how was in early warning systems and chexsystem for fraudulent activity, from accounts that where clearly opened while I was locked up. I informed Bank Of America that these accounts were not mine. I made sure to attach an ftc report, a Notice to furnisher of information, FCRA 605b ( 15 u.s.c. 1681c-2 ), copy of my ID, and proof of my incarceration which shows an arrest date of XX/XX/XXXX ; and a release date of XX/XX/XXXX the record reflects that these accounts where opened inbetween my arrest date and release date yet and still they refuse to remove these accounts off of my consumer report thus robbing me of the opportunity to open a bank account. Which we all know is an essential element needed for a proper reintegration back into society. These people literally have my whole financial life on hold for fraudulent activities that clearly reflect on the face of the record, i had nothing to do with.

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 2025-03-29 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Demand for Deletion of Fraudulent Items from XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint and to demand immediate deletion of all fraudulent accounts, inquiries, and addresses from my credit reports with Equifax, Experian, and TransUnion under my rights afforded by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681c-2. 

I am a documented victim of identity theft, and I have submitted the following to each credit bureau : XXXX. A copy of my official FTC Identity Theft Report ( FTC Report Number : XXXX ) XXXX. ID AND SOCIAL SECURITY CARD Despite these submissions, the following fraudulent accounts and information remain on my credit reports : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX {$310.00} Fraudulent Inquiries : 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 I never resided at these addresses, nor did I authorize, apply for, or open any of the above accounts or inquiries. Under FCRA XXXX, I am entitled to have all fraudulent information resulting from identity theft blocked and permanently removed from my credit reports within XXXX business days of receiving proper documentation. These credit bureaus have failed to comply with this federal law. 

I demand immediate deletion of the above-listed fraudulent accounts, inquiries, and addresses from my credit reports with all three credit bureaus ( Equifax, Experian, and TransUnion ) in full compliance with FCRA 1681c-2, and request that the CFPB initiate an investigation into this matter. 

Please keep me informed about the status of this complaint. I am seeking full remediation, including permanent removal of the fraudulent items and compliance with all legal obligations under the FCRA. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Demand for Deletion of Fraudulent Items from XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint and to demand immediate deletion of all fraudulent accounts, inquiries, and addresses from my credit reports with Equifax, Experian, and TransUnion under my rights afforded by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681c-2. 

I am a documented victim of identity theft, and I have submitted the following to each credit bureau : XXXX. A copy of my official FTC Identity Theft Report ( FTC Report Number : XXXX ) XXXX. ID AND SOCIAL SECURITY CARD Despite these submissions, the following fraudulent accounts and information remain on my credit reports : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX {$310.00} Fraudulent Inquiries : 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 I never resided at these addresses, nor did I authorize, apply for, or open any of the above accounts or inquiries. Under FCRA XXXX, I am entitled to have all fraudulent information resulting from identity theft blocked and permanently removed from my credit reports within XXXX business days of receiving proper documentation. These credit bureaus have failed to comply with this federal law. 

I demand immediate deletion of the above-listed fraudulent accounts, inquiries, and addresses from my credit reports with all three credit bureaus ( Equifax, Experian, and TransUnion ) in full compliance with FCRA 1681c-2, and request that the CFPB initiate an investigation into this matter. 

Please keep me informed about the status of this complaint. I am seeking full remediation, including permanent removal of the fraudulent items and compliance with all legal obligations under the FCRA. 

Sincerely, 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
Consumer complaint received 2025-03-29 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: AL

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 Committee on accuracy and completeness of credit information 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 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 2025-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX is coming off of TransUnion and XXXX XXXX and XXXX for TransUnion off of XXXX already XXXX is trying to hold my debit for seven years the last date of resent activity accounts are paid with a XXXX balance and they will report to XXXX both accounts for seven years and not the other two buros I don't think that's right when they fell off the other two buros

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 2025-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: IL

Complaint narrative:
On XXXX westlake financial repossessed my car I immediately contacted them and was told that I have missed 3 payments from XXXX, XXXX, and XXXX I asked to speak with a supervisor as to my knowledge at the time I have sent the payments. When I spoke with the supervisor he informed me that on their end it shows I attempted to make the payments but due to issues with the bank the charge was reversed but there was never an email or attempted phone call from westlake to inform me that the payments never went thru which the supervisor even confirmed westlake never attempted to reach out regarding the matter. Given the situation the supervisor said he will put in a request to fix the situation so I can pay the missed payments and get the car back as of XX/XX/year> I have not been contacted and am still being told I must pay the full amount

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX HAS closed and restricted my cards even though they accepted my remittances. How do I regain access to use my cards? 
I just called again XXXX, case # XXXX ( balance {$9.00} with a {$2000.00} limit ) for my business card ( XXXX  ). The platinum secured card which is $ XXXX ( {$200.00} secured ). Remittance taken, balance adjusted but the cards are RESTRICTED from being used? They stated and sent a letter with no specific reason. When I asked they just gave me the run around. 
Payments are up to date and now I can not use the cards!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I have a {$500.00} American Express gift card. I am attempting to use the card at XXXX and then XXXX ( which are both big box stores in the XXXX. ) The card keep coming back declined at XXXX and I called AMEX at the number on the back of the card. After more than XXXX minutes they keep telling me the merchant ( XXXX ) is not sending them all of the information and I need to try a different merchant. I then try to use the same card at XXXX ( XXXX ) and that is also declined. If I purchase an item under XXXX USD it seems to allow it, as you can see below, but the {$390.00} transaction for a garage door opener is declined over and over again. XXXX with AMEX again, and they offer no support and will not allow the transaction. They then told me to try another merchant. This is absolutely lubricious. 

Balance Summary Activated XX/XX/XXXX Valid Thru Date XXXX/XXXX Original Value {$500.00} Pending Transactions {$93.00} Purchases {$0.00} Credits {$0.00} Available Balance {$400.00} Transactions DATE/DESCRIPTION AMOUNT XX/XX/XXXX, XXXX PM Declined - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX {$170.00} XX/XX/XXXX, XXXX PM Declined - XXXX - XXXX - XXXX XXXX XXXX XXXX {$210.00} XX/XX/XXXX, XXXX PM Declined - XXXX - XXXX - XXXX XXXX XXXX XXXX {$210.00} XX/XX/XXXX, XXXX PM Declined - XXXX - XXXX - XXXX XXXX XXXX XXXX {$170.00} XX/XX/XXXX, XXXX PM Declined - XXXX - XXXX - XXXX XXXX XXXX XXXX  {$170.00} XX/XX/XXXX, XXXX PM Declined - XXXX - XXXX - XXXX XXXX XXXX XXXX {$210.00} XX/XX/XXXX, XXXX PM Declined - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$390.00} XX/XX/XXXX, XXXX PM Declined - XXXX - XXXX - XXXX XXXX XXXX XXXX {$210.00} XX/XX/XXXX, XXXX PM Declined - XXXX - XXXX - XXXX XXXX XXXX XXXX {$170.00} XX/XX/XXXX, XXXX PM Declined - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$210.00} XX/XX/XXXX, XXXX PM Declined - XXXX - XXXX - XXXX XXXX XXXX XXXX {$170.00} XX/XX/XXXX, XXXX PM Pending - XXXX - XXXX - XXXX XXXX XXXX XXXX - {$93.00} XX/XX/XXXX, XXXX PM Declined - XXXX - XXXX - XXXX XXXX XXXX XXXX {$210.00} XX/XX/XXXX, XXXX PM Declined - XXXX - XXXX - XXXX XXXX XXXX XXXX {$170.00} XX/XX/XXXX, XXXX PM Declined - XXXX - XXXX - XXXX XXXX XXXX XXXX {$210.00} XX/XX/XXXX, XXXX PM Declined - XXXX - XXXX - XXXX XXXX XXXX XXXX {$170.00} XX/XX/XXXX, XXXX PM Declined - XXXX - XXXX - XXXX XXXX XXXX XXXX  {$210.00} XX/XX/XXXX, XXXX PM Declined - XXXX - XXXX - XXXX XXXX XXXX XXXX {$170.00} XX/XX/XXXX, XXXX PM Declined - XXXX - XXXX - XXXX  XXXX XXXX XXXX {$210.00} XX/XX/XXXX, XXXX PM Declined - XXXX - XXXX - XXXX XXXX XXXX XXXX {$170.00} XX/XX/XXXX, XXXX PM Declined - XXXX - XXXX - XXXX XXXX {$240.00} XX/XX/XXXX, XXXX AM Declined - XXXX - XXXX - XXXX, XXXX {$150.00} XX/XX/XXXX, XXXX PM Processed - Albertsons Companies XXXX XXXX XXXX XXXX XXXX + {$500.00} Available Balance + {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint against ChexSystems XXXX XXXX for their continued failure to remove fraudulent information from my consumer report, despite proper notice and submission of all required documentation under the Fair Credit Reporting Act ( FCRA ). 
Over XXXX months ago, I formally notified ChexSystems of identity theft involving fraudulent accounts opened in my name at XXXX XXXX XXXX XXXXCCT # : XXXX ROUTING NUMBER : XXXX and XXXX XXXX ACCOUNT NUMBER : XXXX ROUTING # : XXXX What I have submitted to ChexSystems  on XXXX XXXX and XX/XX/year> : A police report : A signed identity theft affidavit Additional supporting documents verifying the fraud Despite this, ChexSystems has failed to block or remove the fraudulent information from my file. Their inaction is a clear violation of my rights under : 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block identity theft-related data upon proper notice 15 U.S.C. 1681b, for furnishing my report to third parties without a permissible purpose while it contains disputed and fraudulent data This inaccurate and uncorrected reporting has harmed me by impacting my ability to open new accounts and conduct everyday financial activities. 
Requested Resolution : I respectfully request that the CFPB : Investigate ChexSystems for noncompliance with the FCRA Require immediate and permanent removal of all fraudulent accounts and entries associated with this identity theft Hold ChexSystems accountable for failing to act within the required timeframe I am prepared to submit all evidence and correspondence to support this complaint. 
Sincerely, XXXX XXXX XXXX XXXX Email Address : 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
Consumer complaint received 2025-03-29 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: CO

Complaint narrative:
Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature. They have not been able to provide such proof to me therefore you are reporting misleading false accounts.Under 15 U.S. Code 1692d-Harassment and abuse have been harassed and have trauma this account in violation.

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 2025-03-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Servicing Solutions, LLC
State: GA

Complaint narrative:
accounts are reporting negatively to my report. Ive tried to get it off multiple times. They never provided me with what Ive asked for. Never provided a debt validation letter for my account like i asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, I received an alert from Bank of America about fraudulent transactions made with my credit card, and I immediately contacted the bank and started a dispute. The charges were : XXXX 's # XXXX XXXX XXXX XXXX {$71.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have contacted the bank several times about this dispute, and they, like a game, proceed to provide me with a credit for the fraudulent charges and later they put the charges back.

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