vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 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: GA

Complaint narrative:
Remove these unauthorized inquiries EXPERIAN XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/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 2025-03-04 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:
I am formally requesting an investigation and removal of an unauthorized inquiry on my credit report, as it was not approved by me. Under the Fair Credit Reporting Act ( FCRA ), all information in my credit file must be accurate, verifiable, and authorized by the consumer. 
Upon reviewing my report, I identified an inquiry from XXXX XXXX on XX/XX/year> that I did not authorize. I have never applied for credit with this entity, and no permissible purpose exists for this inquiry. This unauthorized entry is negatively impacting my credit profile and must be removed immediately

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 2025-03-04 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: SC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: SC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a phone call from a secure wells fargo phone number ( XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX california, XXXX XXXX XXXX ) and a representative who had all of my bank account information deceived me into believing he was helping me with fraudulent activity on my account. I received text messages from a wells fargo text thread ive had as far back as XXXX, as well as legitimate wells fargo emails. He led to believe someone was hacking into my XXXX  wallet ( from using my XXXX  pay at a location in which this representative knew about ) and was tricked into sharing my XXXX  id info which led to this scammer draining my bank account through my XXXX  wallet and locking me out of my i cloud. i did not willingly verify any transaction. i no longer have access to all of my personal photos, notes information, or contacts as it has all been stolen from me. i dont know how wells fargo could allow such a large transaction to occur without a red flag ( over {$9000.00} ). with that being said my location services are still enabled and i am able to track where this scammer is 24 hours of the day and where he actually lives. i have reported this evidence to law enforcement. I am led to believe this scammer may work for wells fargo as they had access to all of my bank information as well as lives 4 minutes away from this wells fargo location. as a single woman who works very hard for her money this emotionally and financially devastating as everything i have has been taken from 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 explanation
Consumer complaint received 2025-03-04 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:
See attachements. 

In XX/XX/year>, I became aware that an account with XXXX XXXX XXXX  ( Account # XXXX ) was being reported as a " Collection/Chargeoff '' on my credit reports with TransUnion,. This reporting is inaccurate and unlawful because the creditor, XXXX XXXX XXXX, issued a Form 1099-C, Cancellation of Debt, for this account. 

Key Facts and Timeline : Issuance of Form XXXX : In XX/XX/year>, I received a Form 1099-C from XXXX XXXX XXXX, confirming that the debt associated with this account had been canceled. Under the Internal Revenue Code ( IRC ), the issuance of a 1099-C signifies that the debt has been forgiven and the creditor no longer has the legal right to collect or report it as an active debt.

Inaccurate Credit Reporting : Despite the cancellation of the debt, the account continues to be reported as a " Collection/Chargeoff '' on my credit reports. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information reported to credit bureaus be accurate, complete, and verifiable. 

Actions Taken : I contacted XXXX XXXX XXXX to dispute the inaccurate reporting and requested that they update the credit bureaus to reflect the cancellation of the debt. 
I filed a formal dispute with TransUnion,, providing a copy of the Form 1099-C as evidence.

To date, the account remains on my credit report as a derogatory item, causing significant harm to my credit profile and ability to obtain financing.

Legal Basis for Dispute : The continued reporting of this account as a " Collection/Chargeoff '' violates the following laws : Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681c ( a ) ( 5 ) : Requires that canceled debts not be reported as active or derogatory.

15 U.S.C. 1681i : Requires credit bureaus to investigate and correct inaccurate information.

Internal Revenue Code ( IRC ) : The issuance of a Form 1099-C confirms that the debt has been canceled, and the creditor no longer has the legal right to collect or report it. 

Request for Resolution : I am requesting that the CFPB assist in resolving this matter by : Ensuring that XXXX XXXX XXXX updates the credit bureaus to reflect the cancellation of the debt and removes the account from my credit report. 

Requiring TransUnion to delete the account from my credit report, as it is being reported inaccurately and unlawfully. 

Supporting Evidence : I have attached a copy of the Form 1099-C and my credit report highlighting the disputed account for your reference. 

Thank you for your assistance in resolving this matter. Please let me know if additional information is required.

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 2025-03-04 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: NC

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX - XXXX - XX/XX/XXXX - {$2300.00} XXXX - XXXX - XX/XX/XXXX - {$570.00} XXXX  - XXXX - XX/XX/XXXX - {$5900.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$7100.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$230.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$910.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$1500.00}.

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 2025-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
What happened : On XX/XX/year>, Bank of America flagged my account as 30 days past due and reported it to XXXX, negatively impacting my credit score. However, I was not notified of the past-due status until XX/XX/year>, when I received an email from Bank of America informing me that my account was past due.

I acknowledge that my payment was late, but I was under the impression that I had successfully set up auto-pay on Bank of America 's website. I had encountered multiple issues while trying to set it up and had no notification that auto-pay had not been activated. The first and only notification I received was on XX/XX/year>, a day after they had already reported me as late. 

Upon receiving this first and only notice, I immediately made a payment on XX/XX/year>, to bring the account current. Within the next several days, I paid the remaining balance in full ( XX/XX/XXXX and XXXX, XXXX  ). 

Despite my prompt action, XXXX notified me on XX/XX/year>, that Bank of America had already reported the late payment before I had even been informed of the past-due status. This led to a XXXX drop in my FICO score, which I first saw reflected on XX/XX/year>. 

Why This Is a Problem : I was not given prior notice before Bank of America reported the delinquency. 
I had no idea auto-pay was not properly set up, and Bank of America never informed me until after reporting the late payment. 
As soon as I was notified ( XX/XX/year> ), I immediately paid the past-due amount, then paid off the remaining balance in full. 

This late payment report is unfair and extremely damaging, especially since I took action as soon as I was informed. Had I been informed of my account being past-due prior to Bank of America reporting , this would not be on my credit report. My fiance and I are in the process of trying to buy our first home in the next 90 days, and this has been extremely damaging to my credit score.

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 2025-03-04 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint to address Transunion 's failure to properly investigate and resolve fraudulent items on my consumer report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Despite submitting all necessary documentation, including an FTC Identity Theft Affidavit # XXXX, Transunion reinstated fraudulent accounts without providing a valid reason. 

These fraudulent accounts consist of a credit car opened at XXXX on XX/XX/XXXX under the account number XXXX, a credit card opened at XXXX on XX/XX/XXXX under the account number XXXX, and a loan opened at XXXX on XX/XX/XXXX under the account number XXXX. 

Transunion has also failed to process my disputes under FCRA 605B and has not disclosed their method of investigation as required by FCRA 611 ( 15 U.S.C. 16811 ).

I demand the immediate removal of these items within four days of receipt of this complaint to ensure compliance with federal regulations. I've attached all required documents for you to properly process my request in accordance with FCRA 605B. |

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 2025-03-04 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have filled out a report to clarify the incorrect information that has been sent by the credit bureau through my email. I am writing to formally dispute an error on my credit card statement. I have requested a further investigation regarding this matter, but the problem became disregarded by the company. I appreciate your prompt attention regarding this matter.In addition, I would like a confirmation receipt to keep me notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: OH

Complaint narrative:
XX/XX/year> we decided we were going to purchase furniture through XXXX  XXXX XXXX  we applied online through Acima Credit for financing purposes. We were approved so we entered the store and purchased our furniture. The sale price of the furniture was {$1400.00}. The representative working for XXXX processed our terms in our contract to which we signed and he told us we would be paying {$60.00} and change, every two weeks. We agreed and signed the contract. XX/XX/XXXX we re-entered super XXXX with the intent to use the remaining credit with a XXXX to purchase a mattress upon checking out we were told that Acima had attempted to contact me to let me know there was an issue with the contract. I advised I had not received any phone calls and even showed the representative my phone to prove nobody had contacted me at this time. I was told that in XXXX when I checked out their employee, XXXX made a mistake and wrote the contract for {$50.00} to less. We shouldve been charged XXXX but he wrote the contract up for XXXX. And that we needed to sign a new contract or we would not be able to get our mattress. Granted we had already made multiple payments on the account and they wanted to start the contract. Fresh not consider considering my payments already made so recharging interest as well as remaking double payments. I advised them I will not be signing a new contract and that if the employee didnt write it for enough, that is the companys fault not mine and I should not be penalized for it. I asked to speak with the employees manager who she was texting, and the manager refused to speak to me. At this point, I asked to speak to XXXX XXXXXXXX manager since they were the ones involved and that XXXX was representing them. The general manager agreed that this was not my fault and if XXXX refused to make it right that he would take it to his headquarters to write off the {$50.00} which was completed within the hour he assured me a XXXX would only be charged {$1000.00} Because it was in the best interest for the customer meaning me. Now two weeks later I have continuing to get text messages from XXXX XXXX telling me I needed to sign my new contract still attempting to collect the extra {$50.00}. They have since changed all of my information online to report that I am responsible for the extra {$50.00} I have attempted to call their corporate office for several times and have not been able to speak to anybody.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: CO

Complaint narrative:
XXXXXXXX XXXX  XXXX XXXX. IS REPORTING INFOMATION IS NOT BELOWN TO ME PLEASE REMOVED ALL INMIDIATLY..I check my credit report and find information is not below to me and is affecting my credit score. please help me to remove inmidiatly

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 2025-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
I've recently submitted complaints only to get disrespectful responses from SoFi Bank. I recently emailed the CEO and general council with no response. I really would like my money or a sensible response why haven't I received my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax Credit Bureau. I believe these late payments are erroneous and do not accurately reflect my payment history.

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Company response to consumer: Closed with non-monetary relief