vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 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: FL

Complaint narrative:
These accounts are related to a transaction and experience that falls under the XXXX section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts XXXX be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer 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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
am submitting a formal complaint against American Express for inaccurate credit reporting and failure to provide required documentation related to my closed credit card account. 

American Express closed my account and charged off the debt, but they have incorrectly reported XXXX separate charge-offs for this single account. This repeated and inaccurate reporting is misleading and unfair, as there should be only one charge-off reflected in my credit report. The erroneous entries have caused undue harm to my XXXX XXXX and overall financial standing. 

In addition, I have repeatedly requested a XXXX form, which is required when a debt is charged off and written off. Despite my efforts, American Express has not provided this form, further complicating my ability to address this matter properly. 

This inaccurate reporting and failure to provide necessary documentation is a clear violation of the Fair Credit Reporting Act ( FCRA ). I respectfully request that CFPB investigate this issue and take action to : Ensure American Express corrects the inaccurate reporting by reducing the entries to only XXXX charge-off. 
XXXX American Express to provide the XXXX form for the charged-off debt. 
I have attached all relevant documents, including proof of my communications with American Express. 

Thank you for your assistance in resolving this matter. I look forward to your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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:
I am sending this complaint on my behalf. I looked at my credit record and it contains unauthorized item. They have not responded to the letters since I sent themover 30 days ago and they neglected to get back with me with sufficient validation. Please help me regarding this matter. I'm seeking litigation!!.

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 2025-01-12 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 am sending this complaint on my behalf. I looked at my credit record and it contains unauthorized item. They have not responded to the letters since I sent themover 30 days ago and they neglected to get back with me with sufficient validation. Please help me regarding this matter. I'm seeking litigation!!.

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 2025-01-12 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed XXXX XXXX has reported my credit card account as delinquent through each credit bureau. The months/years it was reported delinquent are XXXX XXXX and XXXX XXXX  However, this information is inaccurate, as I am a victim of identity theft and fraudulent transactions were made to my existing XXXX XXXX credit card to cause this delinquency. The company has been informed of this and were provided sufficient documentation to include a credit card fraud affidavit and FTC Identity Theft report, proving there was fraudulent activity on the credit card account at or around the time delinquencies were reported to the bureaus.

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 2025-01-12 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed XXXX XXXX has reported my credit card account as delinquent through each credit bureau. The months/years it was reported delinquent are XXXX XXXX and XXXX XXXX. However, this information is inaccurate, as I am a victim of identity theft and fraudulent transactions were made to my existing XXXX XXXX credit card to cause this delinquency. The company has been informed of this and were provided sufficient documentation to include a credit card fraud affidavit and FTC Identity Theft report, proving there was fraudulent activity on the credit card account at or around the time delinquencies were reported to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the XXXX section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer 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 2025-01-12 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: WI

Complaint narrative:
I am writing to detail the challenges I have faced regarding inaccuracies on my credit report due to the XXXX XXXX breach that compromised my personal information, specifically involving XXXX XXXX XXXX and XXXX XXXX. My sensitive data was included in this breach, which has resulted in unauthorized access and the creation of fraudulent accounts under my name. Consequently, this has led to the reporting of inaccurate information on my credit file, including accounts I did not open and late payments that I did not incur. 

Since discovering that my information was part of this significant data breach, I have made numerous attempts to rectify the inaccuracies on my credit report. I have disputed this information with all three major credit reporting agenciesTransUnion, XXXX, and XXXX supporting documentation and evidence to substantiate my claims. Despite my diligent efforts, I have encountered persistent challenges, and nothing has been done to resolve these inaccuracies. The erroneous information continues to adversely affect my XXXX XXXX and financial standing, limiting my ability to secure loans and credit. 

Additionally, I am particularly concerned about the implications of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against XXXX. This lawsuit highlights serious deficiencies in how XXXX manages consumer disputes and verifies the accuracy of the information it reports. The findings of the CFPB resonate deeply with my experience, as they reveal a troubling pattern of negligence that many consumers face when trying to correct inaccuracies on their credit reports. This situation underscores the urgent need for credit reporting agencies to fulfill their responsibilities in ensuring that the information they report is accurate and fair. 

In light of these circumstances, I am seeking a resolution to have the inaccurate information related to the XXXX data breach removed from my credit report. The ongoing issues I have faced with TransUnion, XXXX, and XXXX demonstrate the systemic challenges consumers encounter in correcting errors, particularly in the aftermath of data breaches. I hope that by sharing my experience, I can not only work toward a resolution for myself but also contribute to a broader dialogue on the importance of consumer protection and accountability in the credit reporting industry.

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 2025-01-12 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: SC

Complaint narrative:
Hard inquiries on my account that I didn't authorize. No written consent to pull 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 2025-01-12 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: SC

Complaint narrative:
Hard inquiries on my account that I didn't authorize. No written consent to pull my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY THE SILENCE OF ENGELHARDT V. GRAVENS ( MO ) 281 SW715.719 PRESUME THAT NO PROOF OF THE ALLEGED DEBT NOR ANY SUCH DEBT IN FACE THEREFORE EXISTS. PLEASE REMOVE THIS ACCOUNT BEFORE I SEEK LITIGATION FOR DEFAMATION OF CHARACTER. XXXX XXXX XXXX XXXX. PLEASE REMOVE THESE INQUIRIES XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I opened up a Wells Fargo account beginning of this year 2025 after being accepted and enrolled two days later I was told my account will be closing on XX/XX/XXXX with no further information onto why such decision was made.

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 2025-01-12 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: NC

Complaint narrative:
I DISPUTED A XXXX XXXX XXXX  LOAN WITH EXPERIAN AND ATTACHED SEVERAL POLICE REPORTS AND ARRESTED REPORTS AND SHOWING I WASNT EVEN IN THE COUNTRY WHEN THIS XXXX XXXX XXXXXXXX LOAN WAS EVEN OPEN. XXXX XXXX  XXXX DELETED THE ACCOUNT AS FRAUD AND NOW THE PLACED IT BACK ON MY CREDIT FILE WITH EXPERIAN. EXPERIAN HAS POLICE REPORTS SHOWING ITS ALL FRAUD AND THEN ALLOWS XXXX XXXX XXXXXXXX TO PLACE IT BACK ON MY CREDIT FILE WHENEVER THEY WANT. XXXX  XXXX XXXX DELETED IT ON XX/XX/XXXX AND PLACES IT BACK ON MY REPORT ON XX/XX/XXXX. I LOOKED UP THE RULES OF THE FAIR REPORTING ACT AND IF THE CREDITOR DELETES THE ACCOUNT ON THERE ON THEY CANT REPLACE IT, IF EXPERIAN REMOVES IT AND BLOCKS THE ACCOUNT THE BANK HAS XXXX DAYS TO ASK TO HAVE THE ACCOUNT UNBLOCK. ITS BEEN XXXX DAYS AND EXPERIAN ALLOWED THEM PLACE IT BACK ON MY FILE. LEGAL ACTION IS BEING PREPARED NOW AGAINST EXPERIAN.

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 2025-01-12 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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. The following inquiries on my report needs to be removed. 

* XXXX 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 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 2025-01-12 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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. The following inquiries on my report needs to be removed. 

* 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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered XXXX XXXX as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer 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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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. The following inquiries on my report needs to be removed. 

* 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 explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Subject : Request to Remove Fraud Alert from My Credit Report Dear Sir/Madam , I am writing to formally request the removal of the fraud alert from my credit report. I believe this alert was placed on my file in error, or it is no longer necessary. 

My personal details are as follows : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please confirm in writing once the fraud alert has been removed, or let me know if additional documentation is required. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this request. 

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