vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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: PA

Complaint narrative:
To Whomever This May concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX, P.A XXXX Thanks, XXXX XXXX XXXX Items in Need of Deletion : Collections/ Charge offs 1. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$360.00} 2. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$130.00} 3. Account name : XXXX XXXX Bank Account opened : XX/XX/XXXX XXXX owed : {$780.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$21000.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$0.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$660.00} XXXX. Account name : XXXX XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$1100.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$170.00} Inquiries Account name : XXXX XXXX Account Opened : XX/XX/XXXX Account name : XXXX Account Opened : XX/XX/XXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX XXXX name : XXXX XXXX Amount Opened : XX/XX/XXXX XXXX name : XXXX XXXX  Amount Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: PA

Complaint narrative:
To Whomever This May concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX, P.A XXXX Thanks, XXXX XXXX XXXX Items in Need of Deletion : Collections/ Charge offs 1. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$360.00} 2. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$130.00} 3. Account name : XXXX XXXX Bank Account opened : XX/XX/XXXX XXXX owed : {$780.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$21000.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$0.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$660.00} XXXX. Account name : XXXX XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$1100.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$170.00} Inquiries Account name : XXXX XXXX Account Opened : XX/XX/XXXX Account name : XXXX Account Opened : XX/XX/XXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX XXXX name : XXXX XXXX Amount Opened : XX/XX/XXXX XXXX name : XXXX XXXX  Amount Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount Opened : 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 2025-03-21 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-03-21 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: Credit Fresh Holdings Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Fresh XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX DE XXXX See Important Information Enclosed XXXX Subject : Dispute of Debt for Account Number XXXX Credit Fresh XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Dear CreditFresh, I hope this message finds you well. 
I am writing to formally dispute the debt referenced in your notice dated XX/XX/2025, regarding the alleged debt of {$1600.00} associated with my account number XXXX. I want to clarify that this debt does not belong to me. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I kindly request that you provide the following : XXXX. Documentation proving that this debt is attributed to me. 
XXXX. Validation of the debt, including the original signed agreement or any other evidence of my obligation. 
XXXX. Confirmation that this debt has been validly transferred to XXXX XXXX XXXX. 
I request that all collection activities be paused until I receive proper validation of this debt. Moreover, please update your records to reflect that I am disputing this claim. If this debt has been reported to any credit bureaus, it is imperative that they are informed of my dispute, as mandated by the law. 
For all future communications, I would appreciate it if you could communicate in writing and direct correspondence to the address noted above. 
Thank you for your prompt attention to this matter. I look forward to your swift response. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
XX/XX/year> I signed up from a Wells Fargo checking account through the online webpage. They were offering a {$300.00} welcome bonus for new customers. After making the qualifying deposits in the adequate amount of time that was required, I had not received my welcome bonus. I contacted Wells Fargo and asked them to look into why I had not received it. The reply to me was I did not enter a promotional code at the time of opening my account. However, through the online webpage, the terms were that the code would be automatically applied for checking accounts opened online. If I was to go into a branch and open an account, I would have to have a code emailed to me in order to give to the banker to open the account to qualify for that welcome bonus. I submitted documentation showing where the advertisement stated that information. I spoke to multiple people through customer service that sent information to the financial advertisement team to get the same response that I had to have a code in order to receive that bonus. So I ask if someone and an executive office could look into it and call me back And they did. After giving them the information it came to the same conclusion that I had to enter a code in order to have qualified for that bonus. Now theyre offering {$120.00} bonus for new customers with the same stipulations that if you sign up online, the code will automatically be applied up on account opening or you will have to have a code email to you to present to a banker to open an account at a branch. 

The {$300.00} is not going to break me however I signed up for the checking account because they were offering the {$300.00} welcome bonus. And I as a consumer taking advantage of an offer that the financial institution decides that they dont want to pay out is not good practice. 

So I am following a complaint with Wells Fargo for false advertisement through the promotion that I took advantage of and now are offering the same promotions with a different dollar amount with the same stipulationsfor new customers. Which will result into the bank getting customers to open deposit accounts and not pay out what theyre advertising. 

For new customers. Which will result into the bank getting customers to open deposit accounts and not pay out what their advertising. 

If I dont get the {$300.00}, yes, its a big deal, but its really not. But I would like for you to investigate and find out why theyre not paying out what their advertising.

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 2025-03-21 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: PA

Complaint narrative:
Account in question : XXXX I am filing this complaint due to multiple violations of the Fair Credit Reporting Act ( FCRA ) regarding the inaccurate reporting of my account with XXXX. The errors have negatively impacted my credit profile, and despite the legal obligations of credit bureaus to report accurate, verifiable, and consistent information, they have failed to do so. 

Here are the specific violations : Inconsistent Account Type Reporting TransUnion and Experian classify this as a Charge Account, while Equifax does not specify.

Under FCRA 1681e ( b ), credit reporting agencies are require

d to ensure information is consistent and accurate across all platforms. Credit Limit Discrepancies My credit lim
it is {$200.00} on TransUnion and Experian, but Equifax reports it as {$0.00}.

This inconsistency violates FCRA 623, which mandates accurate furnishing of information by
data providers.

Conflicting " High Credit '' Reporting TransUnion & Experian report {$160.00}, but Equifax reports {$200.00}. 
This affects my creditworthiness evaluation and must be corrected. 
Last Reported Date Discrepancies My " Last Reported '' dates are : XX/XX/year> ( TransUnion ) XX/XX/year> ( XXXX ) XX/XX/year> ( Equifax ) These inconsistencies violate FCRA 611 and demonstrate a failure to properly update my credit file.

Incorrect " Closed by Creditor '' Status The comments section is inconsistent : TransUnion : " Canceled by credit grantor '' Experian : " Account closed due to inactivity '' Equifax : " Closed or paid account/zero balance '' Under the FCRA, credit bureaus are required to report accounts using uniform language.

Failure to Verify Data Under FCRA 609 ( a ) ( 1 ) I am requesting the original source documentation that was used to verify this account. 
If they can not provide a contract with my wet-ink signature, then the account must be removed.

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 2025-03-21 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: IL

Complaint narrative:
Subject : Goodwill Adjustment Request for Late Payment Removal Account # XXXX Dear Discover I hope this letter finds you well. I am reaching out regarding my closed account, # XXXX which was previously held with your company. While I deeply appreciate the opportunity I had to do business with Discover I recently noticed that my credit report still reflects late payments associated with this account. 

I take full responsibility for my financial obligations and deeply regret any missed or late payments. Unfortunately, during the time of the reported late payments, I was experiencing a hardship At the time of these late payments, I was laid off from my job due to unforeseen XXXX XXXX, which temporarily affected my ability to keep up with payments. Since then, I have worked diligently to improve my financial habits and maintain a strong credit history. 

As a gesture of goodwill, I kindly request that you consider removing the late payment notations from my credit file. I fully understand the importance of on-time payments, and I have since taken steps to ensure that I never miss a payment again I am now trying to find an apartment and lease a car and I am having trouble doing so due to my credit score decreasing due to these late payments. Removing these late payments would greatly assist me in improving my financial standing, and I would be extremely grateful for your consideration. 

If there is any additional information you need to process this request, please feel free to contact me at XXXX Thank you for your time, and I sincerely appreciate your consideration. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} INQUIRIES : XXXX XXXX XX/XX/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 2025-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I applied for Care Credit master card got approved for XXXX XXXX and thats where headache begins XXXX trying to make purchases its not working im calling passing XXXX verification customer service agent tells my your card is good to go and its keep declining afterwards they tell me to try again in XXXX hours which i do and its still declining

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 2025-03-21 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: MN

Complaint narrative:
The credit report from TransUnion contains a fraudulent collection account from XXXX XXXX XXXX for {$370.00}, originally from XXXX XXXX. This account was opened on XX/XX/2025, but I had no involvement in this transaction. I submitted a dispute to TransUnion on XX/XX/2025, under my rights outlined in Section 605B of the Fair Credit Reporting Act, requesting the removal of this fraudulent account. Despite providing necessary documentation, the account remains on my report. I am requesting CFPBs assistance in ensuring TransUnion promptly blocks this fraudulent account and notifies the furnisher as required by law.

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 2025-03-21 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: FL

Complaint narrative:
Due to failure to positively verify this account has hurt my ability to obtain credit. 
Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, the agency must remove the account. The vehicle was returned within 30-60 days of purchase no repossession was necessary. Communication was given to property to fix vehicle several times with promises in return that was not fulfilled. After agreeing to return the vehicle the company failed to reach out to XXXX XXXX and allowing the bank to continue reporting when the vehicle was no longer in my possession due to an agreement to return vehicle and taken as a loss with no refund in return.

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 2025-03-21 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: FL

Complaint narrative:
Due to failure to positively verify this account has hurt my ability to obtain credit. 
Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, the agency must remove the account. The vehicle was returned within XXXX days of purchase no repossession was necessary. Communication was given to property to fix vehicle several times with promises in return that was not fulfilled. After agreeing to return the vehicle the company failed to reach out to XXXX  XXXX and allowing the bank to continue reporting when the vehicle was no longer in my possession due to an agreement to return vehicle and taken as a loss with no refund in return.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: FL

Complaint narrative:
Due to failure to positively verify this account has hurt my ability to obtain credit. 
Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, the agency must remove the account. The vehicle was returned within XXXX days of purchase no repossession was necessary. Communication was given to property to fix vehicle several times with promises in return that was not fulfilled. After agreeing to return the vehicle the company failed to reach out to XXXX XXXX and allowing the bank to continue reporting when the vehicle was no longer in my possession due to an agreement to return vehicle and taken as a loss with no refund in return.

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