vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 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:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX Home Phone Number : XXXX Employers Name : Date of Birth Disputes XXXX - - XXXX - Provide me documentation that this is my account XXXX XXXXXXXX XXXX - - XXXX - This is too old to be reporting on the credit file XXXX XXXX - - XXXX - Provide me documentation that this is my account XXXX - - XXXX - I do not have a financial obligation with you ; please delete this reference on all credit reports XXXX XXXX - - XXXX - Provide me documentation that this is my account XXXX - - XXXX - I do not have a financial obligation with you ; please delete this reference on all credit reports XXXX XXXX - - XXXX - Account holder was never late on these dates XXXX XXXX - - XXXX - Provide me documentation that this is my XXXX XXXX XXXX - - XXXX - This is too old to be reporting on the credit file XXXX - - XXXX - This is too old to be reporting on the credit file XXXX - - XXXX - There is no permissible purpose for this inquiry. 
XXXX XXXX - - XXXX - There is no permissible purpose for this inquiry. XXXX XXXX XXXX - - XXXX - There is no permissible purpose for this inquiry. XXXX - - XXXX - There is no permissible purpose for this inquiry

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 2025-02-19 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: NY

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/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 non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I reported this account and its inaccuracies in XXXX of XXXX as the account originally was charged off XX/XX/XXXX but still reporting a past due balance. After XXXX completed the investigation the items remained unchanged. I reported again on XX/XX/XXXX and American Express had removed the monthly payment, original balance and recent payment still not addressing the inaccurate reporting of the past due balance. As of Today XX/XX/XXXX I disputed the balance again for inaccurate reporting as I saw they increased the balanced owed since my last dispute. Although I have requested a 1099-C for the charged off amount I have not been provided one and believe this is fraudulent reporting and collecting practices. Please remove this fraudulent account from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc.
State: MI

Complaint narrative:
I received a XXXX cash app in the mail that had my name with an account number on it telling me to activate my card. I never applied for this nor do I know what cash app is. I received it in the mail on XX/XX/year> and I called Cash app company they were not helpful. They just wanted more information from me which is strange if they already have my information so I just hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: VA

Complaint narrative:
XXXX moved my account to XXXX upon which I have paid off. The transfer took place XX/XX/year>. XXXX is still reporting the balance on my credit report. Could you please have them close my account and zero out my balance? 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: NV

Complaint narrative:
I was surprised to find accounts on my credit report that I have no knowledge of. These accounts are being reported under my name despite me never opening them, which is completely unacceptable. I need an explanation and immediate action to correct 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 explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-02-19 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: CA

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX CARD SER Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX violation of 15 USC 1692g. Validate this account. You have 30 days to verify if you fail to this must be deleted. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

9. 15 USC 1681i ( 4 ) client privacy information. Delete this item immediately XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

XXXX violation of section 604 15 USC code 1681B. Please remove from my credit report XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 


In accordance with the Fair Credit Reporting Act, I hereby request that you investigate and rectify these disputed items. It is my understanding that you are required to verify these items with the relevant creditor. Please proceed with removing any information that can not be verified by the creditor. I am aware that, as stated in 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receiving this letter.

Furthermore, I kindly request that you send an updated copy of my credit report to the aforementioned address. According to the law, there should be no charge for this updated report. Additionally, I ask that you notify any party who has received my credit report in the past six months of the corrections being made. 

Thank you for your attention and assistance regarding this matter.

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 2025-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma, LLC
State: SC

Complaint narrative:
I've attempted to apply through credit karma several times responding to card offers that say my approval odd are almost 100 %, one offer showed guaruntee approval and still I was denied and it hurt my score with the credit company. I was aiming to start my own business when I worked up to it and this is extremely difficult because it's affecting my ability to market and provide for myself and family. 

This is something I have researched and found to be called dark patterns and it is illegal and harmful to consumers like myself who are just trying to make a better life for myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: KY

Complaint narrative:
Subject : Formal Complaint Regarding Unlawful Verification of Disputed Charge-Off Account To Whom It May Concern : I am writing to formally file a complaint against [ EXPERIAN ] for their blatant violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 

I disputed a charge-off account reported on my credit file : [ XXXX XXXX ) on [ XX/XX/year> ], providing detailed information challenging the accuracy and legitimacy of this reporting. 

However, the credit reporting agency, without providing any meaningful investigation or legitimate evidence, has repeatedly " verified '' the disputed account as accurate. 

This " verification '' was neither reasonable nor in compliance with the statutory obligations imposed by 15 U.S.C. 1681i. Specifically, the credit reporting agency has failed to fulfill its duty to : * Conduct a reasonable reinvestigation of my dispute.

* Provide a description of the procedure used to determine the accuracy and completeness of the disputed information, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

I have made multiple requests for the method of verification, yet I have not received any meaningful or substantive response. Their failure to provide this crucial information demonstrates either a lack of compliance with federal law or the inability to confirm the accuracy of the reported information.

This unlawful behavior has caused me significant financial harm, emotional distress, and unnecessary damage to my creditworthiness. I am demanding that the CFPB take swift and aggressive action to address the following issues : 1. Compel [ EXPERIAN ] to provide a full description of the method of verification used to " verify '' this account, as required by law. 
2. Ensure that [ EXPERIAN ] conducts a thorough and reasonable reinvestigation of my dispute.

3. Hold [ EXPERIAN ] accountable for their violations of the FCRA by imposing appropriate penalties.

4. Require the removal of the inaccurate charge-off account if verification can not be substantiated. 
The FCRA exists to protect consumers from negligent and reckless reporting practices, and [ EXPERIAN actions are in direct contradiction to this purpose. I trust that the CFPB will take this matter seriously and hold them accountable for their violations. 

Please confirm receipt of this complaint and inform me of the next steps in your investigation. I am prepared to provide additional documentation and records to support my claims. 

Thank you for your prompt attention to this matter.

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 2025-02-19 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: KY

Complaint narrative:
I requested these accounts be verified multiple times, they keep coming back verified without any proof. FCRA Section 605B states that it is Illegal to report any information on my credit report without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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 HAVE BEEN AFFECTED BY THE EQUIFAX 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. 

XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$2000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax shows I have 10 accounts reporting negative information but none of them are listed on my file. I only show one closed account in my report. Ive already contacted Equifax to get this resolved but they did not resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I would like to file a complaint for the 2nd time with Toyota Financial. I received a copy of my credit report and found that the following items to be in error and am writing to provide clarification regarding the inaccurate delinquency status thats been reported inaccurately to my credit report from Toyota Financial. Toyota has been reporting to my credit report as being delinquent since XX/XX/XXXX. I want to assure you that the delinquency is not a result of missed payments but rather a consequence of the maturity date of the loan. I was due to pay off the car loan within 72 months but during the life of the loan XXXX financially granted me extensionsthroughout the life of the loan due to hardship that would allow those payments to be put at the back of my loan which it would prolong the actual payoff date of the loan, hence why the car wasn't paid in full by the maturitydate XX/XX/XXXX. 



Furthermore, I would like to bring to your attention that on XX/XX/XXXX, I attempted to make a payment of {$630.00}. However, I was informed by a representative from Toyota Financial that couldn't accept a payment less than {$1700.00}. I was unable to access the latter amount until XX/XX/XXXX, at which point I made the necessary payment. Before and after the payment, I was informed that once I paid the lump sum of {$1700.00} that I would be able to continue to pay XXXX payments. Fine no problem, so I continue to make payments in XX/XX/XXXX on time, in which XXXX XXXX accepted. Called to make a payment in XX/XX/XXXX just to find out that it was assigned to a 3 rd party collection agency. And also while checking my credit report I found out that XXXX had closed my acct when my payoff bal was just a little over XXXX I was completely blindsided and was never informed of their action. What they are during is unlawful. 


Thank You for your time in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have 2 0 % promotional balance transfers that are 0 % until XX/XX/year>. So those balances should not have any interest charged. I have also been continuing to use the card for regular monthly purchases, like I always have. Every month I have paid the amount for the purchases for that month in full, to avoid interest on those new charges. However every month I have been charged interest. I called to ask the situation and the representative told me she did not know why interest was charged since I had paid the amount to cover the purchases that month, so she removed the interest charges. The same thing happened the next month, so I called again to find out why I was being charged interest when I had paid the new purchases in full and only had the promotional balance which was still 0 %. This time the rep told me that the payment was not applied fully to the new purchases and some of it was applied to the promotional balance. So I asked how I can avoid that happening in future. She advised I had to pay the new purchases in full XXXX the minimum balance, to avoid interest charges. She also removed the current interest charges because I had been told incorrectly the previous time I called. So I made the payment for the new purchases XXXX the minimum payment. The next bill I was charged interest again. So I called a third time to see why interest was charged. Again, they told me I should not have been charged interest and they would remove the charge but they also escalated my question of why I was being charged interest to have my account reviewed to prevent future issues. They reviewed my account and sent me a resolution letter. The resolution letter did not explain why I was being charged interest. So I called back because I was charged interest again on my newest bill. This time I talked with a regular customer service representative, then they kept escalating the call to several different people because no one could explain why I was being charged interest on the account. I was on the phone an hour and XXXX minutes talked to XXXX different people, then they hung up on me because they couldn't tell me why I was still being charged interest when I was paying the new purchases in full every month. So i am still being charged interest and have no answers.

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