vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : 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 2025-03-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
I have already paid off this debt with XXXX XXXX at XXXX XXXX XXXX I have told XXXX XXXX agent about it several times and the courts have provided this information as well. Yet they continue to harass me and refuse to take it off my credit or provide more information. I have had identity theft and this account was closed in XXXX. Yet they are saying there are transactions from XXXX. Which is impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I noticed my card limit decreased from XXXX to XXXX. called and inquired about it and they said i had a late payment reported to one of the credit bureaus. i had a copy of my credit file and there has been XXXX late payments reported on there. i asked him to double check and provide me the information he found. he said that he would be the same person looking into it and he would not do it only give the same conclusion. i filed a complaint with Wells Fargo on this and no action has been taken to date. apparently this happened in XXXXXXXX XXXX XXXX and they sent a letter to notify me, however i never received said letter and asked for a copy of what was sent. still have not recieved it.

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 2025-03-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in 2024. My name is XXXX XXXX, and I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach.Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience.Thank you for your assistance.Sincerely, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CREDIT ACCEPTANCE CORPORATION
State: DE

Complaint narrative:
I've received XXXX calls in XXXX days about a person I don't know. The last person I spoke with said his name was XXXX and when I told him I did not know the person he asked for he said I was lying and refused to hang up the phone. That call was on XX/XX/year> at XXXX, I also got a call at XXXX on the same day and I told the person then that I do not know this person and please stop calling my number. On XX/XX/year> I got a call and advised them I do not know the person they are trying to reach. On XXXX  XX/XX/year> I told the person who called I do not know who the person they are calling for is. Received a call on XX/XX/year>, XX/XX/year> XXXX, XX/XX/year> XXXX times, lastly on XX/XX/year>.

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 2025-03-08 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: MI

Complaint narrative:
On XX/XX/year>25 I received a notification from Equifax, XXXX and XXXX XXXX stating that I had a hard inquiry on my report from XXXX  XXXX using my maiden name. I did go on to dispute this with Equifax, on XX/XX/year>25 I was told that this inquiry was legitimate and will stay on my credit report for 2 years. I did not apply for any type of credit from XXXX XXXX using my maiden name, so I did a fraud dispute and was told the same thing that it was legitimate. On XX/XX/year>25 I received a letter in the mail from XXXX XXXX addressed to my maiden name stating that someone tried to gain a line of credit with improper information. I don't understand how this line of credit accepted when I haven't used my maiden name in 15 years and the credit bureaus are saying this is legitimate. I also filed a fraudulent claim with XXXX XXXX and am waiting for their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: NC

Complaint narrative:
I requested a verification and validation of this account and the debt. I have sent XXXX different notarized notices to the company stating that I dispute this debt and requesting that they either verify this debt OR either remove it from my credit report or report it as paid in full. It has been well over 60 days now, and I have received no response at all from. I sent the first notice on XX/XX/XXXX, then again on XX/XX/XXXX, and again on XX/XX/XXXX. Each notice was sent via USPS Priority Mail and was verified as delivered via the XXXX tracking system. 

I am attaching a copy of each of these notices, which includes the tracking numbers to verify that they did in fact receive these notices. 

I certify that I have received NO response from the company verifying this alleged debt, and that the negative information still remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: CA

Complaint narrative:
Im writing because Ive noticed a credit inquiry on my report that I did not authorize. I want to be clear : I never gave permission for this company to pull my credit, and I have no idea how this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: FL

Complaint narrative:
I am submitting this complaint against TransUnion Credit Bureau regarding inaccuracies in my personal information as reported in my credit report. 

Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX, FL, XXXX, but my credit report shows an outdated address as XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, FL, XXXX. I request that my current address be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have already attempted to resolve this issue directly with the creditor or financial institution, but I have not received a satisfactory resolution. I am now requesting assistance in addressing this matter to ensure that my rights as a consumer are protected during the bankruptcy process.

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 2025-03-08 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: GLA Collection Company, Inc.
State: TN

Complaint narrative:
The company listed below ( GLA ) has not removed this medical debt from my credit report and it is negatively affecting my FICO score. I am finding it very difficult to obtain a loan because of this. I have contacted them about this issue in writing and by phone to no avail. 
This charge stems from a XXXX  procedure that was performed in XXXX. I paid the amount asked of me by the XXXX  office manager ( {$1800.00} ) in full, in advance. The office manager assured me my insurance would cover the remaining {$2000.00}. But the XXXX XXXX ( XXXX XXXX XXXX ) subsequently billed me for the entire amount. I have written letters and spoken on the phone with the dentist office but they would not change their stance. They have now sent me to collections and added a {$600.00} collection fee. 

I would appreciate your help in clearing this matter. 
Sincerely, XXXX XXXX GLA COLLECTION CO INC This account is currently under dispute under dispute Account info Account name GLA COLLECTION CO INC Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$2000.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX 2030

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One issued a {$100.00} rewards card for a local vendor. However, when I attempted to use it at the establishment, I was informed that the card was invalid. 

I contacted Capital One in late XXXX, and a representative advised that it would take two weeks to resolve the issue. The agent also contacted the vendor and confirmed that the rewards card had no expiration date. Based on their assessment, the issue appeared to be that the card was issued without being activated. 

When I followed up in XXXX, I was informed that additional time was needed to resolve the matter, with a new resolution date set for XX/XX/scrub>, 2025. 

As that date has now passed without a resolution, I would appreciate an update on the status of this issue and the next steps to ensure the matter is resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-03-08 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : 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 2025-03-08 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: CITIBANK, N.A.
State: MI

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2025-03-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: WI

Complaint narrative:
to whom it may concern, last year my internet provider XXXX and i where having issues with my connection with modem and router ( modem and router is free ) they provided, while i was talking to them over the phone, they miraculously fix my connection while i was talking to them, but said it was temporary so i needed to upgrade to another modem/router for XXXX and i said why should i pay for something that is free, and when they fix the connection problem while i was talking to them, i stop having connection problems! i took this as a SCAM so i thought nothing of it, but a few months i switch to another internet provider, i quit XXXX, they told me to keep the modem i have, just in case i get there service again! so last month i get a call from Affirm inc which i never heard of! trying to collect XXXX for a modem i never recieved! nor wanted! for a company called XXXX XXXX, they said they would investigate what i explained to them, never heard a response. Now today XX/XX/year>2025 i get credit report alert about this company Affirm is putting this i collections so i called them and we went over the same thing again and they said they would investigate again!. So i research and found out i can sue this company Fair Credit Reporting Act ( FCRA ) i am just not sure witch company to sue thx XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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:
To someone who can help me, I am deeply upset about the erroneous things I see on my credit report. These accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately, it must be removed. I hope you find out whats going on and who the inaccurate information belongs to. Can you please clear this up quickly? It is my understanding that you will do an investigation immediately, a new credit report that reflects the updated changes should be sent. 

You must complete this investigation within 30 days of receipt of this letter. According to the law, unverifiable, inaccurate accounts must be removed and if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

Thanks for your help in this matter. 

XXXX XXXX # XXXX - 15 U.S CODE 1681 ( o ) If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
This company is reporting late payments against the consumer protection law and where I have never paid late

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: GA

Complaint narrative:
My wallet was stolen on XX/XX/XXXX at the airport in XXXX while I was going to XXXX XXXX. I told the airport security and they filed a paper for me and told me if it is found I would be contacted. I didnt know that my chime card was in my wallet because I usually keep it in the house. I came back home on the XXXX of XXXX. When I logged in my account I noticed that there were XXXX transactions made on my account by whoever stole my wallet. I immediately contacted Chime to report these unauthorized transactions. I received an email from chime 2 days ago saying my claim was denied and that the transactions were errors. It cant be an error because these transactions were fraudulent and they took almost XXXX dollars out of my account that I need to survive daily as a XXXX XXXX XXXX. Now I cant pay my phone bill and my pay car note because thiefs stole from me. Chime is not doing anything about it. Please reopen the case and help me get this money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: CO

Complaint narrative:
I hope this message finds you well. Im writing to formally dispute an incorrect entry on my credit report. Upon reviewing the report, I noticed that there is inaccurate information that doesnt reflect my financial history, and Im requesting an immediate investigation into 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