vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached documentation from the appropriate authorities to support my claims. I would be grateful if you could promptly remove the fraudulent entries from my credit report and take the necessary steps to rectify any inaccuracies or fraudulent activities because I already file a complaint again for these items.

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 2025-02-18 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: IL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-18 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: MI

Complaint narrative:
I recently reviewed my credit report and discovered several credit card accounts that I did not open. These accounts were fraudulently opened in my name without my knowledge or consent. I did not authorize the release of my Social Security number through Form SSA-89 or any other means, meaning this account can not be properly verified. 

I have disputed these accounts with TransUnion and requested their removal under the Fair Credit Reporting Act ( FCRA ), as they are reporting unverified and fraudulent accounts. I am now filing this complaint because I want these accounts removed immediately, as they are negatively impacting my credit. 

I have attached a dispute letter along with supporting documents to verify my identity. Please investigate this matter and remove the fraudulent account from my credit report as soon as possible.

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 2025-02-18 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: LA

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 non-monetary relief
Consumer complaint received 2025-02-18 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:
I am writing this letter in reference to my previous dispute submitted to your agency. I am deeply frustrated by the lack of resolution and your agency 's continuous failure to remove the unapproved and unverified negative items from my credit report. As a responsible consumer, I have diligently monitored my credit history, and I find it incredibly distressing to see my efforts undermined by the persistence of these entries.

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 2025-02-18 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: TX

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I was charged {$180.00} for a mandatory filing of Beneficial Ownership Information Registration by XXXX This website is fraudulently charging for something which is supposed to be free on the government website finCENXXXX. The idea of BOIR is to prevent financial crimes against small businesses. It is ironic that small businesses like mine are duped into paying these fraudulent fees through companies which prey on gullible people who do not have adequate time to research them. And all because Credit Card companies are facilitating and legitimizing their activities. Ive asked American Express credit card to refund the money but it refused saying that the filing was successful. 
It does not recognize that the filing is free if only I went on the finCENXXXX website. 
I suggest CFPB should warn Credit Card companies to stop the transactions of these companies scamming individuals and businesses by fraudulent means. 
Otherwise, all efforts by agencies like yours will never be able to help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: TX

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2025-02-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a CD 5 months ago maturing on XX/XX/year>. 
I did not want this CD to auto renew. 
But they still auto renewed it at 3 % for 5 months. ( such a bad rate, treasury pays more for 5 months ) On XXXX XXXX I called them to break the CD. They wanted {$210.00} to break the CD. 

This is like a criminal stealing your money on the subway. 

Please work with the banks to fix this problem otherwise the mad man who shot the CEO of XXXX XXXX may do the same to Citibank CEO once the jury releases him : ) Regards, 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 2025-02-18 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: Commercial Acceptance Company
State: PA

Complaint narrative:
To Whom It May Concern, I am writing in response to your recent communication regarding an alleged debt you claim is owed. Let me be clear : I do not acknowledge this debt, nor do I recognize any legal obligation to your third-party agency. Your company purchased this debt, and while you may claim the right to collect, you are not the original creditor. Therefore, you have no standing to claim a prior conversation as an acknowledgment of liability. 

Additionally, per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you cease and desist all further communication with me regarding this matter. If you believe this debt is valid, provide full validation, including but not limited to : 1. Proof that this debt is mine, with a detailed account history.

2. A copy of the original contract bearing my signature.

3. Proof of your legal right to collect this alleged debt.

4. Evidence that you are legally allowed to report this to credit bureaus. 

Until such documentation is provided, I consider this matter disputed and demand that you immediately remove any negative reporting from my credit report under the Fair Credit Reporting Act ( FCRA ). 

Furthermore, any attempt to continue contacting me without providing the requested proof will be considered harassment, and I will explore legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

You have XXXX days from the date of this letter to respond with the requested validation. Failure to comply will result in further action on my part. 

This letter serves as my final notice to cease all further contact regarding this matter. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
this account was supposed to be removed with all negative information and payment history when i file for bankruptcy, but it never was I disputed this account with the credit bureaus several times with supporting documents, but the bank keep send it back as accurate that's why I'm disputing it here to finally get it of my credit report. 
account # XXXX date opened -- 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 2025-02-18 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: MT

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-02-18 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: NJ

Complaint narrative:
XXXX put my account in the negatives by {$1000.00}, the bill was then put on my credit saying I need to pay. It was already paid and closed.

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 2025-02-18 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report.Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-02-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX Subject : Unauthorized Hard Inquiry XX/XX/year>XXXX  To Whom It May Concern, I am writing to formally dispute an unauthorized hard inquiry that Capital One placed on my credit report on XX/XX/year>. I did not apply for any credit products, services, or loans with Capital One that would authorize such an inquiry. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or unauthorized information on my credit report. Because I did not grant permission for this credit inquiry, I request that it be removed from my credit report immediately.

Please investigate this matter promptly and provide a written response confirming the removal of this inquiry. If the inquiry was made in error, I expect Capital One to notify the credit bureaus to correct my report. 

Attached to this letter are copies of my identification and a recent credit report showing the disputed inquiry. Please let me know if you require any further information. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Atlantic Recovery Solutions LLC
State: GA

Complaint narrative:
Company called my sister on XX/XX/year>. The voicemail stated that they would be reaching out to my job as well.

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
Chex system is reporting 2 bank accounts that I NEVER AUTHORIZE FOR THIS ACCOUNT TO BE OPEN I informed them that this is not my account i also ask for a debt validation because this was open up online and the information is not accurate also XXXX XXXX XXXX XXXX have names that are not mine XXXX XXXX XXXX XXXX IS MY ONLY NAME AND THE REST I ASK TO TAKE OFF I NEED YOU GUYS TO DO YOU WORK YOU GUES WAS JUST SUED I WANT THIS XXXX OFF MY FILE 15USC 1692G DEBT COLLETORS HAVE MUST VALIDATE DEBT I HAVNT RECIEVED ANYTHING BEcause they dont know the address and i have proof XXXX XXXX is a very old adress i havent use that over 25 years i want this debt removed UCC 3-501 I have the right to demand original proof and i have they cant provide me where i sign my signature this was open fraudulent and trying to make me pay again I will have both CfPb investigated if you going off they validate because i never received anything look at my credit file i also told you guys i was a victim identiy theft i also have phone converstion where i found out about this and called them trying to tell them it was fraud I WANT OFF I NEED MORE OF AND INVESTIGATION ON I WILL WRITE CONGRESS AGAIN ON THE LACK OF WORK YOU DOONG

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 2025-02-18 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 DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-02-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Nationwide Capital Services, LLC
State: KS

Complaint narrative:
I received a XXXX second phone call at XXXX XXXX. on Tuesday XX/XX/XXXX when asking The Collector to properly identify themselves and what kind of company he works for he disconnected the call in my face which is a fdcpa violation refusing to identify that you are a debt collector I called back there was a very rude representative by the name of XXXX XXXX he yelled at me told me I didn't know what I was talking about just very rude refused to answer any questions about who he works for ( other than " structured settlement '' ) or agency or the purpose of the call trying to prove that he had Authority or power over the phone call felt very abusive so I politely disconnected tried again to speak with someone else I spoke with the lady who I had to remind it was against FDCPA to properly identify if they are debt collector twice because she kept trying to just give me the name of the company to transfer me back over to the original person that I spoke with which is XXXX and he just continued to yell at me told me he's been a collector for over 20 years I don't know about any violations or laws that was broke which is when he finally identified me I was read the many XXXX by the first lady without even proper identification just the name which I could have easily been lying about so he read off the last XXXX of my social without even trying to ask me to verify it then read me the XXXX XXXX and told me I'm glad that you called back or else I would have took in the account to the next steps which is threatening me without even sending me a first statement the first statement that I got was through email at XXXX XXXX which is after all three phone calls so not only did they not confirm that they were debt collector when properly asked XXXX times they did not fully verify who I was before reading the XXXX XXXX they threatened to send me to the attorneys or legal action without sending me a first statement so he threatened legal action within the validation time frame and was just very rude and abusive during all three phone calls

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