vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-06 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: IL

Complaint narrative:
I had XXXXXXXX XXXX XXXX  XXXX, removed from my credit report twice now and this credit bureau continues to add this information to my credit report this information has been deleted already due to identity theft the FTC report was provided however they re-added this information to my account just a couple months later this account is supposed to be permanently blocked from being added to any of my credit reports. This credit bureau has constantly violated my rights under the FCRA by repeatedly, adding the same account that has been deleted due to identity theft. Because of this this credit bureau has failed to ensure the maximum possible accuracy for my report. Information being provided can not be verified. Furthermore, not only was his account deleted more than once according to the opening date of this account it happened this year, but this account was removed from identity death for last year. How can the open date be XX/XX/XXXX if it was placed for collections in XX/XX/XXXX not only is this information fraudulent, but its also an accurate the opening date cant be before the day it was put in collection also the payment history is nonexistent on the current report also how could this account be opened in XX/XX/XXXX at the same account was being disputed for fraudulent activity in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: IL

Complaint narrative:
I had XXXXXXXX XXXX XXXX  XXXX, removed from my credit report twice now and this credit bureau continues to add this information to my credit report this information has been deleted already due to identity theft the FTC report was provided however they re-added this information to my account just a couple months later this account is supposed to be permanently blocked from being added to any of my credit reports. This credit bureau has constantly violated my rights under the FCRA by repeatedly, adding the same account that has been deleted due to identity theft. Because of this this credit bureau has failed to ensure the maximum possible accuracy for my report. Information being provided can not be verified. Furthermore, not only was his account deleted more than once according to the opening date of this account it happened this year, but this account was removed from identity death for last year. How can the open date be XX/XX/XXXX if it was placed for collections in XX/XX/XXXX not only is this information fraudulent, but its also an accurate the opening date cant be before the day it was put in collection also the payment history is nonexistent on the current report also how could this account be opened in XX/XX/XXXX at the same account was being disputed for fraudulent activity in 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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account is past the legal time allowed to be reported. Please delete this accounts from my credit report ( 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 2025-04-06 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: AZ

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the allieged debt. nor therefore any such debt in fact therefore exsits. ( please remove these accounts before I seek litigation for defamation of character. ) XXXX XXXX balance {$11000.00}, XXXX balance {$3800.00}, XXXX XXXX XXXX XXXX balance {$130.00}

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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account is past the legal time allowed to be reported. Please delete this accounts from my credit report ( 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 2025-04-06 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: NJ

Complaint narrative:
I am writing to bring to your attention a concerning issue I have experienced with credit bureaus that has not been resolved in a timely manner. Despite my efforts to address this matter, it has now been over 60 days since I initiated contact with the following credit bureaus : [ Equifax, XXXX, TransUnion, ]. 

Details of my situation are as follows : Nature of the Issue : incorrect information on your credit report, lack of response to a dispute, difficulty in locking your credit, etc. 

Attempts to Resolve : I have sent several letters to credit bureaus Impact : difficulties in obtaining credit, emotional distress, and financial implications. 

I believe this matter warrants further investigation, as the inability to receive timely responses from the credit bureaus violates consumer protection regulations. I appreciate the role the FTC plays in safeguarding consumer rights and respectfully urge you to look into my situation and take appropriate action. 

Thank you for your attention to this matter. I am hopeful for your assistance in resolving this issue promptly. If you need further details or documentation, please do not hesitate to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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:
My name is XXXX XXXX, and I am writing to notify you that I am a victim of identity theft. Upon reviewing my TransUnion consumer report, I have found multiple unauthorized inquiries and inaccurate personal information that I did not authorize, approve, or recognize. 
In accordance with the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681c-2, I am formally requesting that you remove all fraudulent inquiries listed below and delete all inaccurate names and address variations not associated with me. 

Unauthorized Credit Inquiries to Be Removed : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Name Variations to Be Deleted : XXXX XXXX XXXX XXXX XXXX Only one name should be listed on my report : XXXX XXXX. 

Incorrect Addresses to Be Deleted : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX only correct and current address is : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX

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 2025-04-06 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Inquiries from company I never heard of. Remove them.

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 2025-04-06 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: WI

Complaint narrative:
I HAVE BEEN IN THE EQUAFAX DATA BREACH ALONG WITH 3 MEDICAL FACILITIES OF LEAKING PERSONAL DATA ALONG WITH XXXX  XXXX BREACHES. I HAVE MULTIPLE ACCOUNTS ALSO ON MY CREDIT REPORTS THAT WERE NOT INITIATED.I HAD CONTACTED EQUAFAX ABOUT SOME HARD INQUIRIES AND ADDRESS THAT I DID NOT INITIATE AND AN ADRESS TO BE DELTED FROM MY CREDIT REPORT THAT DID NOT LOOK FAMILIAR, I DID NOT LIVE THERE, THIS WAS A FEW MONTHS BACK IN XXXX AND I HAVE YET TO GET A RESPONSE, THIS IS MORE THAN AMPLE TIME FOR THEM TO GET BACK TO ME..I SENT A NOTORIZED/CERTIFIED LETTER ABOUT BOTH OF THESE ISSUES IN ONE LETTER. EQUAFAX COMPLETELY IGNORED THIS CLEARLY, IM TIRED OF PLAYING BACK AND FORTH WITH THERE STALL TACTICS OF SENDING A LITTLE POST CARD, THEY HAD EVERYTHING THEY NEEDED TO REMOVE THE ADDRESS AND THE INQUIRIES! UNDER FCRA I HAVE A RIGHT TO A FAIR ACCURATE AND COMPLETE CREDIT REPORT AND NONE OF THIS BEHAVIOR IS ACCURATE FAIR AND COMPLETE! I WANT THESE HARD INQUIRIES REMOVED BECAUSE I DID NOT INITIATE THESE INQUIRIES TO BE DONE WHATSOEVER. PLEASE REMOVE ADDRESS YOU HAVE ON FILE OF XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MA XXXX AND THE BELOW INQUIRIES IMMEDIATELY! DOCUMENTS ENCLOSED FOR PROOF OF ADDRESS, ID, AND OTHER DOCUMENTS XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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: FL

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance. 
XXXX XXXX XXXX Balance : {$0.00}, XXXX Date of Inquiry XX/XX/XXXX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX, XXXX  Date of Inquiry XX/XX/XXXX/XXXX, XXXX  Date of Inquiry XXXX/XXXX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX & XXXX  Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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: FL

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance. 
XXXX XXXX XXXX Balance : {$0.00}, XXXX Date of Inquiry XX/XX/XXXX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX, XXXX  Date of Inquiry XX/XX/XXXX/XXXX, XXXX  Date of Inquiry XXXX/XXXX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX & XXXX  Date of Inquiry 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 non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
XX/XX/year>XXXX  I have a late remark on my credit report thats hurting my score XXXX points thats interfering with me buying my first home .I reached out to the company multiple times, Im a current card holder with a excellent payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: IL

Complaint narrative:
My information was exposed during the data breach.Experian has allowed this company to fraudulent put this account on my credit report without during a real investigation. XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX  This account doesn't belong 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 explanation
Consumer complaint received 2025-04-06 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: GA

Complaint narrative:
I opened XXXX account with WellsFargo in XXXX. I have overwhelming documentation that I saved through email and text. I have several overdraft fees and insufficient funds fees. Starting from the opening of my account, I was on SSA benefits and my deposits were direct deposit between the XXXX and the XXXX of each month. Looking back through all the email correspondence with WellsFargo, I have several that are about late fees and insufficient funds fees. I also show where several times because of these issues, I had to keep receiving new debit cards as a precaution. This was very inconvenient. There are also several occasions that I had to contact the bank about late fees, insufficient fees more, because they would allow debit transactions to post before my direct deposit. By doing this, I spent extra money that I didnt have with my SSA benefits. I borrowed from several people, to whom I still havent paid back. I would contact the bank and ask about all the fees just about every month. I was told that they would put items in investigation to find out why it happened. While some were returned, it still didnt fix the issues. I also had a secured credit card with the company and not even today do I know where my {$300.00} secured payment went after I closed my account. On several occasions I had to continue to call and check the status. They should have known me by name. Sometimes, I believe they just refunded some was to just stop dealing with me, but that was far less than the times they did absolutely NOTHING. I have several emails, as I make folders for every subject. I had several disputes for unknown transactions that I was aware of, not sure for ones that I didnt know about. There were several occasions where suspicious activity was reported and causing me to receive new debit cards. I lost count of how many new card I received.

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 2025-04-06 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: IN

Complaint narrative:
REQUESTED IMMEDIATE REMOVAL OF ACCOUNTS AND INQUIRIES OF FRAUDULENT ITEMS DUE TO IDENTITY THEFT AND MY CONSUMER LAWS 15 USC 1601! REPORTING AGENCY HAS NOT REMOVED CONTINUES TO SEND ACCURATE AND VERIFIED. I HAVE FILED POLICE REPORT AND FTC REPORT AND CFPB REPORT ALL INCLUDED IN ATTACHMENTS!

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 2025-04-06 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: TRANSWORLD SYSTEMS INC
State: KS

Complaint narrative:
I have been trying to dispute this several times. As I previously mentioned this collection was deleted when an old debt collector had this collection. Now its back under TSI. When I originally opened XXXX internet I walked into store location. As soon as I got home to connect it I had issues. So I called in to customer service who then told me to go back into store I might have defective device. I had to wait until I got time off so by the time I got back into store the bill was due and they told me it was suspended for non pay. So I paid that bill and got new device. Went home and again did not work. I was very disappointed because I knew it wasnt a problem with device. So I just unplugged it and never worried about it again. I assumed the account was prepaid since when I had went back into store the 2nd time and it was suspended. Now after careful review after discussing this situation with other like customers, come to find out the service is NOT available in my area. Thats why it was never working. When I went into store it was a store associates duty to check that before ever even opening me a account. I have been at the same location now as then. If you go to XXXX XXXX XXXX XXXX and click check availability put it my address it tells me NOT available!! So XXXX failed me 3 times not catching that. I assumed if I didnt pay the bill it would just get suspended. I even took the XXXX XXXX  payment I paid and it still never worked. The next time I heard from XXXX about this account was notifying me of the XXXX . I am also asking for the FULL account history on this account. From the very beginning when I called in and was told to go back into store. Showing the suspension of non payment after 3 days after due date. Etc

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an unauthorized hard inquiry made by your organization, SYNCB/AMAZON XXXX XXXX that appears on my consumer credit report dated XXXX XXXX XXXX I did not authorize this inquiry, nor did I apply for credit with your company around that date. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b, any party requesting a credit report must have a permissible purpose, which in this case does not exist. 

This inquiry was made without my knowledge or consent and constitutes a willful violation of the FCRA, infringing on my rights and harming my credit profile. I am demanding the immediate removal of this inquiry from all credit reporting agencies to which it was submitted. 

Under the FCRA, I am entitled to {$1000.00} in statutory damages. However, should litigation become necessary, I will also pursue actual damages for emotional distress, time lost, credit denials, and any additional harm caused by this violation. I would prefer to resolve this matter amicably, but I am fully prepared to take this to court if required. 

Please review the estimated litigation costs your organization may incur if this proceeds to formal legal action : Expense Estimated Cost Court filing fees {$400.00} Process server {$150.00} Document preparation & postage {$100.00} Attorney consultation ( if needed ) {$1000.00} {$2500.00} Discovery/disclosure costs {$500.00} Travel/time off work ( actual damages ) $ XXXX Emotional distress ( actual damages ) $ XXXX Potential judgment ( statutory + actual ) {$3000.00} $ XXXX Estimated Total Exposure : {$6000.00} $ XXXX To avoid unnecessary escalation and legal expense, I am offering to resolve this matter with the following terms : Removal of the unauthorized inquiry from all credit reporting agencies, Payment of {$1000.00} in statutory damages, and A written mutual agreement with no admission of wrongdoing by your organization.

Please respond within 15 business days of the date above. If I do not receive a response or resolution by then, I will proceed accordingly through arbitration or file a civil claim.

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