vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 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: TX

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CT

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-03-12 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-12 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: AZ

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX XXXX XXXX  XXXX / XXXX XXXX XXXX  Account XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX ) In accordance with The Fair Credit Reporting Act, Public law 95-506, Title VI, Section 611, Subsection A-D, please provide the name and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: FL

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : Equifax XXXX. XXXX XXXX  XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRAs permissible purposes requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: FL

Complaint narrative:
On or about XX/XX/year> I contracted with merchant, XXXX XXXX XXXX XXXX to install countertop in my kitchen. I went to their store and chose the countertop that I liked. Employee came to my home and measured for the countertop. They quoted me a price of {$2300.00} for material and installation. I was promised a one year warranty on material and installation. I agreed and they demanded payment in full at that time. I only wanted to pay a deposit but they pressured me and I paid in full. About XXXX weeks later employees of merchant came to my home to install the countertop. While bringing the countertop into my home, employees hit my laundry room sink with the countertop breaking the sink off of the wall, they also broke a light outlet. After installing the countertop it was clear that the countertop had either been cut incorrectly or measured incorrectly. The countertop did not fit the space. I called the merchant and described my problem with the broken sink, broken light outlet and incorrect fitting countertop. Merchant refuses to repair or replace the countertop. The sink was replaced using a plumber at a cost of {$520.00} and the outlet replaced by a local handyman at a cost of {$120.00}. Merchant refuses to repair or replace the countertop. Merchant refuses to issue me a refund so that I can have the countertop replaced. Merchant pressured me into paying in full so I have no recourse against merchant. I filed dispute with credit card company, Discover, I detailed in full my problem with merchant, I included pictures of damage to my home and pictures of improperly fitting countertop. Clearly the pictures show lack of quality workmanship. I am ashamed and angry with merchant for the damage merchant did to my home and merchants refusal to honor their warranty. Discover Card has denied my dispute for no clear reason. Merchant has done shoddy workmanship and left me with a mess. Merchant should not be paid for their refusal to correct their mistakes and their refusal to honor their warranty. I must now spend thousands more of my limited budget to have these countertops replaced by a reputable company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: AZ

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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

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 2025-03-12 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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

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 2025-03-12 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: CA

Complaint narrative:
XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. Accounts : [ XXXX XXXX - XXXX XXXX OPENED XX/XX/XXXX } [ XXXX XXXX  OPENED XX/XX/XXXX ] [ XXXX XXXX  OPENED XX/XX/XXXX ] [ XXXX XXXX XXXX  OPENED XX/XX/XXXX ] Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I greatly appreciate your prompt expedited action 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 non-monetary relief
Consumer complaint received 2025-03-12 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:
I filed a dispute through Experian regarding an account on my credit report with XXXX XXXX XXXX IN. I disputed that the account is not mine nor do I have any knowledge of this account. Experian denied to follow up with the investigation and I was recently notified that XXXX  has filed a lawsuit against the company. They alleged the company of accepting unreliable information and faluire to notify consumer of dispute results with appropriate documentation to support their decision. This aligns well with my experience with Experian. The company has not attempted to remove nor correct any information, nor have they offered me any supporting documents to further explain their decision. Im requesting this derogatory remark be removed from my report immediately as it is affecting my chances of purchasing, renting, or financing. Experian violates my rights as a consumer as well as federal laws.

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 2025-03-12 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: NY

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance : {$76000.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$4900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: NY

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance : {$76000.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$4900.00}

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 2025-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX XXXX CLOSED MY ACCOUNT FROM XXXX YEARS NO FRAUDULENCE EVER! A check was deposited at the bank by someone I immediately filed a police report the bank responded on a recorded call if you had walked the check in we would not have shut your accounts down. It made no sense to me at all. 
Bank of America closed my accounts my credit card that NEVER HAD A LATE FEE my buisness accounts do to fraud as well a report was made but my accounts were closed. 
XXXX XXXX did the same thing but Ive turned in information from life lock I submitted in person the detectives on these cases the IRS is aware of this issue but this has caused me to loose my XXXX XXXX XXXX XXXX XXXX ALL MY VEHICLES THAT I HAVE THE TITLES TO WERE TAKEN I HAVE an arrest record in a different state. Ive never had A TRAFFIC TICKET!!! I was just hired by the police. These ppl can USE YOUR CARD THREW XXXX XXXX ATMS ONLINE they are really good at stealing identities and we are the ones suffering. I just want my bank accounts credit cards back THESE BANKS CAN NEVER REPORT FRAUDULENT ACTIONS FROM ME I DID THE RIGHT THING I FILED SEVERAL POLICE REPORTS GOT XXXX XXXX I HAVE HAD XXXX of the same inquiries ON CREDIT AT THE SAME TIME I WOULD LIKE REMOVED EVERY MONTH ITS THE EXACT SAME INQUIRIES ON MY ACCOUNT. XXXX XXXX took XXXX dollars from me stating I had a rental car from hurts that was paid by my DEBIT CARD HURTS DOSE NOT EXCEPT DEBIT I ASKED XXXX XXXX FOR THE PROOF IT WAS NOT EVEN MY NAME ON THE RENTAL INFORMATION!!! Do you know XXXX XXXX did not return my funds. Because of this XXXX  XXXX XXXX CLOSED MY ACCOUNTS FOR NO REASON.

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 monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Hello, I received a debit card in the mail on XX/XX/XXXX from Wells Fargo Bank for a checking account that I did not open. Wells Fargo had all my personal information including my social security number. An online banking account was also set up. I contacted Wells Fargo and they have opened an investigation in their fraud department. My mother received the same thing in the mail today, XX/XX/XXXX. 

Wells Fargo has been fined heavily for opening accounts without the consumers consent and new allegations were reported in XXXX. It seems they are up to their same old tricks again.

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 2025-03-12 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: FL

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX  : Account number : XXXX, XXXX XXXX  : Account number : XXXX, XXXX XXXX XXXX : Account number : XXXX, XXXXXXXX XXXX XXXX : Account number : XXXX, XXXX XXXX XXXXXXXX : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX  DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

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 2025-03-12 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:
Date : XX/XX/year> RE : Failure to Respond to Identity Theft Request & Violation of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, This correspondence serves as a formal demand for immediate action regarding my previously submitted identity theft report. I submitted a written request notifying you of fraudulent accounts appearing on my credit report and provided supporting documentation pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2. Despite my valid request, you have failed to fulfill your legal obligation to block the fraudulent accounts within the required XXXX ( XXXX ) business days. This noncompliance is a direct violation of federal law. 

Under 15 U.S.C. 1681c-2 ( a ), once a consumer provides proper identification and an identity theft report, the consumer reporting agency must block the reporting of any fraudulent information related to identity theft within XXXX business days. Your failure to adhere to this provision constitutes willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o, both of which provide for monetary damages, attorney fees, and other legal remedies. 

I demand the immediate and unconditional removal of the following fraudulent accounts listed on my ftc report : reference number : XXXX Additionally, I request written confirmation that these accounts have been blocked as required by law. Failure to comply within XXXX ( XXXX ) calendar days from the date of this letter will leave me no choice but to pursue all available legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and initiating legal action in a court of competent jurisdiction. 

This letter serves as formal notice of your statutory obligations, and any further delay in addressing this matter will be viewed as intentional noncompliance. I strongly advise your legal team to review this situation promptly to mitigate further liability.

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