vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 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: NY

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

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 2025-03-26 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I would like to explain that my consumer report was accessed and shared by certain reporting companies without my consent and for purposes not permitted by law. This unauthorized use has resulted in negative collections being reported on my credit file. I request that these negative entries be removed from all my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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 always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am formally disputing the inaccurate inclusion of a bankruptcy on my credit report. I have official documentation from the court that clearly states this bankruptcy should not have been reported to your agency. Despite this confirmation, the bankruptcy remains on my credit file, which is both misleading and unjust. The presence of this incorrect information has the potential to negatively impact my financial standing, and it is crucial that this matter be addressed immediately. 

Additionally, I am deeply concerned about the involvement of an unauthorized third party in this situation. This raises serious questions about the integrity and accuracy of the reporting process, making it even more critical that this issue is investigated and resolved without delay. The presence of unauthorized involvement only amplifies my concerns regarding the security and reliability of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-03-26 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2025-03-26 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I was having financial difficulties due to a divorce and the slow business economy. I was being repeatedly and consistently charged for overdraft fees to my business account. I asked the bank to stop paying debtors or charges to my account if there was no money in my account, otherwise, I asked them to remove the overdraft protection. They repeatedly told me they could not remove the overdraft protection, even after I requested this at least 4 times over a period of two years, XXXX, XXXX and XXXX. Finally, the last time in asked them to stop paying for things if I didnt have the funds to cover it, they suddenly told me in XXXX of XXXX that they could remove the overdraft protection so the money wouldnt be paid out. 

The bank personnel told me for over two years I had no choice to remove the service or stop the payments and fees from overdraft charges that I couldnt afford to pay. 

As a small seasonal business, I couldnt afford to pay the bank hundreds of dollars on top of many other things I was having difficulty paying, but forced to pay because the bank paid them out. 

So they lied to me when I asked them to remove the overdraft protection the first four times, and as I was trying to keep my finances for means of survival only, I couldnt do anything to stop this and it increased my financial problems to a point I still have not recovered from, and might ultimately be forced to file bankruptcy. Meanwhile, in order to cover the expenses, I had no choice to take high interest loans, title loans, pawn possessions and pay off the fees any way possible. 

I truly feel if the bank had not lied to me, forced me to pay for things I couldnt afford to pay at the time, and then charged me an overdraft fee on top of that, it would not have got to the point it is now. 

I have bank statements showing 35 overdraft fees going back to XX/XX/XXXX until XX/XX/XXXX. There are more prior to this date that are no longer online as it only goes back 12 months, but this is more than enough to prove my point. 

Each of those 35 plus times I was charged for an overdraft fee, I was forced to pay an expense I couldnt afford to pay, but Wells Fargo gave me no choice by paying out the money and charging me an additional fee after I repeatedly requested they stop! 

At {$35.00} per fee, the amount charged from XX/XX/XXXX to XX/XX/XXXX was {$1200.00}, thats not including the money I had to pay to the creditors to catch up with the bank.

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 2025-03-26 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: LA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Inaccurate Credit Reporting and Potential Violations of Consumer Rights Dear CFPB, I am writing to formally submit a complaint regarding inaccuracies in my credit report and potential violations of consumer protection laws that I believe affect my creditworthiness. 

XXXX XXXX XXXX   Personal Information - Name : XXXX XXXX - Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Credit Report Issues I obtained copies of my credit reports from the XXXX major credit bureaus : TransUnion, Equifax, and Experian, and I have identified several inaccuracies that I believe are the result of identity theft or errors. The details are as follows : XXXX. Inaccurate Account Information : - Account : XXXX XXXX XXXX - Balance : {$710.00} - Status : Opened without my authorization. 
- Account : XXXX XXXX - Balance : {$710.00} - Status : Incorrect and should be removed. 
- ( XXXX any other accounts similarly. ) # # # Summary of Credit Report Details 1. TransUnion - Date Opened : XX/XX/XXXX ( 2 years, 10 months ago ) - Balance : {$710.00} - Payment Status : Unknown - Report Date : XX/XX/XXXX XXXX. XXXX - Date Opened : XX/XX/XXXX ( 2 years, 11 months ago ) - Balance : {$710.00} - Payment Status : Late 120 Days - Report Date : XX/XX/XXXX XXXX. Experian - Date Opened : XX/XX/XXXX ( 2 years, 11 months ago ) - Balance : {$710.00} - Payment Status : Collection/Chargeoff - Report Date : XX/XX/XXXX # # # Potential Violations I believe the following laws may have been violated in my case : - The Fair Credit Reporting Act ( FCRA ) regarding inaccurate reporting and the lack of timely investigation. 
- The Fair Debt Collection Practices Act ( FDCPA ) regarding how debt collectors are managing accounts that I did not authorize.

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 2025-03-26 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: LA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Inaccurate Credit Reporting and Potential Violations of Consumer Rights Dear CFPB, I am writing to formally submit a complaint regarding inaccuracies in my credit report and potential violations of consumer protection laws that I believe affect my creditworthiness. 

XXXX XXXX XXXX   Personal Information - Name : XXXX XXXX - Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Credit Report Issues I obtained copies of my credit reports from the XXXX major credit bureaus : TransUnion, Equifax, and Experian, and I have identified several inaccuracies that I believe are the result of identity theft or errors. The details are as follows : XXXX. Inaccurate Account Information : - Account : XXXX XXXX XXXX - Balance : {$710.00} - Status : Opened without my authorization. 
- Account : XXXX XXXX - Balance : {$710.00} - Status : Incorrect and should be removed. 
- ( XXXX any other accounts similarly. ) # # # Summary of Credit Report Details 1. TransUnion - Date Opened : XX/XX/XXXX ( 2 years, 10 months ago ) - Balance : {$710.00} - Payment Status : Unknown - Report Date : XX/XX/XXXX XXXX. XXXX - Date Opened : XX/XX/XXXX ( 2 years, 11 months ago ) - Balance : {$710.00} - Payment Status : Late 120 Days - Report Date : XX/XX/XXXX XXXX. Experian - Date Opened : XX/XX/XXXX ( 2 years, 11 months ago ) - Balance : {$710.00} - Payment Status : Collection/Chargeoff - Report Date : XX/XX/XXXX # # # Potential Violations I believe the following laws may have been violated in my case : - The Fair Credit Reporting Act ( FCRA ) regarding inaccurate reporting and the lack of timely investigation. 
- The Fair Debt Collection Practices Act ( FDCPA ) regarding how debt collectors are managing accounts that I did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/year> and XX/XX/year> I received emails ( see attached ) from Best Buy stating a code to reset my password had been sought several times and my account was being shutdown for security reasons. 

I DO NOT have a Best Buy Account! I believe this is an attempt by hackers to steal my identity and make fraudulent purchases in my name. 

This situation can ONLY have been caused by the recent attempts on my part to refinance my house and the Credit Reporting Agencies XXXX XXXX, XXXX, and XXXX ) SELLING my private information ( including my email and phone number, and other personal information ) which is now resulting in attempts to steal my identity. 

I called Best Buy and asked for steps to take to prevent this from escalating, and received an email address to send my email copy to and express my concerns... the email address given ( XXXX ) does not work and this matter needs to be addressed immediately. 

Someone ... Congress ... needs to address this gross injustice for citizens just trying to work hard and prosper. Homeowners ( or those trying to become homeowners ) should NEVER be subjected to this treatment. Without my CONSENT, my private information is being sold to the highest bidder, and the companies involved, are naively letting this happen. XXXX forbid, had they not shut my " so called '' account down - One I NEVER requested, I guess the fake ME would be happily purchasing goods in my name! 

STOP this madness CONGRESS!!! You have a bill before you to help protect innocent, hard-working, taxpayers from having this happen to them without CONSENT... 

Sincerely XXXX XXXX XXXXXXXX XXXX XXXX  Contract Employee 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 2025-03-26 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: WI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-03-26 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: WI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-26 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Following accounts need immediate deletion, as there was no proof of thorough investigations, XXXX, XXXX, and Equifax continue to report false information, this is beyond discriminatory at this point, also they refuse to delete items in litigation. 

Accounts : XXXX. XXXX XXXX XXXX XXXX - delete

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not authorize these inquiries for credit. This is fraud XXXX XXXX XXXX Inquiry date Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date Removal date XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date Removal date XXXX XXXX XXXX XX/XX/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 2025-03-26 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: TX

Complaint narrative:
I did not authorize these inquiries for credit. This is fraud XXXX XXXX XXXX Inquiry date Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date Removal date XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date Removal date XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: NJ

Complaint narrative:
This account was charged off on the following date ( XX/XX/year> ) since then the account has repeatedly been update as charged off every month. This is an update on payment history. A charge off account should not include an active payment history this inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights I am demanding a deletion of the following account : XXXX XXXXXXXX XXXX XXXXXXXX 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