vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 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: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX, I attempted to make a purchase in XXXX with my Citibank XXXX  XXXX credit card, as I am traveling. The card gets declined and use another card from another bank to make the purchase. I call Citibank and verify my identity, but they say they can not send an OTP to the phone number I have listed on my account and ask if I have another phone number. This is the only phone number I have, but they manage to call me for an OTP instead of a text and my card starts working again. On XX/XX/XXXX, I attempt to make another purchase and my card gets blocked again. I call Citibank and tell them my card was blocked even though I verified it XXXX  days ago. I go through all the steps and give the customer service representative my phone number and she can not send me an OTP or call the phone number to verify my identity. She asks if I have another phone number, but I do not because this is my only phone number and the one that is listed on the account. She says that I will receive mail to my listed address to verify my identity, but can not verify my identity with my security word, my SSN, or my phone number. I explain to the CSR that I am traveling XXXX for the next few months and will not have access to the mail at my home address and she says there is nothing I can do and that my credit card is blocked until I use the mail they sent to my address to verify my identity.

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 2025-03-17 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised — 
Company: WESTERN ALLIANCE BANCORPORATION
State: CA

Complaint narrative:
Western Alliance Bank a servicer for XXXX on their accounts XXXX times did not give us a hardship or a loan modification program. 

For the first XXXX times, all they said that we did not qualify. 

On the third time, I finally asked why we were getting declined, and our client representative at that time which was in XXXX and XX/XX/year> Was XXXX. I got into a very heated conversation asking to why we were denied. and she brought up becase our loan to value was too high, and I asked her how they were calcualting it, and they were still using the new mortgage payment after default of {$7500.00} when our original mortgag payment was only {$2000.00}. We also asked them to recalculate it for over a XXXX to XXXX  year period, and he said that the underwriters didnt want to do it. So after a year of trying to get into a program they finally pushed us into forclosure and still no help from them. 

We also kept sending them our profit and loss statement and they would always say that we were missing the latest profit and a loss statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: MO

Complaint narrative:
I am filing this complaint against TransUnion for violating the Fair Credit Reporting Act ( FCRA ) 605C, 1681e ( b ), 1681i, and 623, by failing to remove an inaccurate charge-off from XXXX XXXX XXXX despite the fact that XXXX and XXXX have already removed it after their investigations. I have also requested the method of verification ( FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) ), and TransUnion has failed to provide any documents proving the validity of this charge-off FCRA Violations Committed by TransUnion : 1. Failure to maintain maximum possible accuracy ( 1681e ( b ) ) The charge-off was removed from XXXX and XXXX, proving its inaccuracy. If XXXX national credit bureaus have corrected this error, TransUnions continued reporting of it is not only inaccurate but also reckless.

2. Failure to conduct a reasonable investigation ( 1681i ( a ) ( 1 ) ( A ) ) TransUnion is blindly relying on XXXX XXXX claim instead of conducting an actual verification process.

3.Failure to delete inaccurate information ( 1681i ( a ) ( 5 ) ( A ) ) If two credit bureaus deleted this charge-off after their investigations, TransUnions report is inconsistent and inaccurate, violating the FCRA requirement that consumer reports be accurate across all bureaus.

4. Liability for willful noncompliance ( 1681n ) TransUnions refusal to correct this known error is a willful violation of my rights under the FCRA. 

All Three Credit Bureaus Should Match The XXXX major credit bureaus ( XXXX, XXXX, and TransUnion ) should all report accurate and consistent information. If XXXX and XXXX have determined that this charge-off was incorrect and removed it, then TransUnion is obligated to do the same. A credit report must be consistent across all three bureaus, and any deviation suggests either negligence or a failure to properly verify information. 

I have attached proof that both XXXX and XXXX removed this charge-off. This is direct evidence that TransUnion is reporting inaccurate information, damaging my credit standing, and violating my consumer rights. 
I am demanding the immediate deletion of this inaccurate charge-off from my TransUnion credit report. If TransUnion refuses to comply, I will escalate this matter further, including legal action for willful noncompliance under FCRA 1681n, which allows for statutory damages, actual damages, and attorney fees. 
This is my final attempt to resolve this issue before pursuing further legal remedies.

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 2025-03-17 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: TX

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$340.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX Owed : {$140.00} Charged off Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will res
ult in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing once again to follow up on my previous dispute regarding inaccuracies in my credit report. Despite my initial request for correction and reinvestigation, I have yet to receive confirmation that these inaccuracies have been addressed. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to an accurate and fair credit report. Therefore, I am requesting an immediate reinvestigation and resolution of this matter.

Additionally, I formally request the following : 1. Confirmation of the corrections made to the disputed item.

2. Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the FCRA.

3. A detailed written response outlining the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX XXXX 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 2025-03-17 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-03-17 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: NY

Complaint narrative:
I am submitting this complaint on my own behalf regarding late payments I discovered while reviewing my credit record. Despite sending letters over 30 days ago requesting validation of these entries, I have not received any response, and they have failed to provide me with satisfactory validation. This ongoing situation has negatively affected my credit standing and financial opportunities, which is why I kindly request your assistance in resolving this matter promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: CA

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: VA

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 2025-03-17 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXXXXXX 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 2025-03-17 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXXXXXX 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 2025-03-17 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$690.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$2300.00} 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 XXXXXX/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 2025-03-17 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: LA

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or a account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account appropriate steps to remove information about this account from my credit files. 

Following up on my previous communication regarding inaccuracies on my credit report, I am writing to express my continued concern and disagreement with the resolution of the items listed below. Despite an initial investigation, these inaccuracies persist on my credit report, negatively impacting my credit score and financial well-being. 
Disputed Items for Reinvestigation : XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX ( Appears To Show Accurate On My TransUnion Account, But XXXX Deleted It Due To Inaccuracy & Fraud Information Can You Please Now Show Me What Yall Do Differently You Please Remove This Thank You, & If Not Show Me Description Of The Procedure. 15 USC 1681 ( I ) XXXX. XXXX- Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment Status Collection/ChargeOff Account Status DEROGATORY  XXXX XXXX - XXXX Payment Status Collection/ChargeOff Account Status DEROGATORY XXXX XXXX XXXX Payment Status Collection/ChargeOff Account Status XXXX XXXX XXXX XXXX Payment Status Collection/ChargeOff Account Status XXXX  XXXX Payment Status Collection/ChargeOff Account Status DEROGATORY XXXX XXXX XXXX Payment Status Collection/ChargeOff Account Status DEROGATORY XXXX XXXX XXXX Date Opened XX/XX/XXXX Payment Status 90 Days Late ( Sep-Dec ) Not Even Showing A Date Can You Please Remove This Thank You, & If Not Show Me Description Of The Procedure. 15 USC 1681 ( I ) XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Type : Note Loan Payment Status 60 Days Late ( Sep-Dec ) Not Even Showing A Date Can You Please Remove This Thank You, & If Not Show Me Description Of The Procedure. 15 USC 1681 ( I )

Company response to consumer: Closed with non-monetary relief