vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to file an official complaint regarding the mishandling of a check deposit I made on XX/XX/year>2025. 

I deposited a check for {>= $1,000,000} from my lawyer 's account at XXXX of your ATMs late at night, as the branch was closed. The ATM indicated that half of the funds, {$5500.00}, would be available on XX/XX/XXXX, and the remaining balance on XX/XX/XXXX. 

However, upon checking my account on XX/XX/XXXX, I found no funds were made available. When I contacted customer service, I was given inconsistent information and was informed that half the funds would now be available only on XX/XX/XXXX, and the rest on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Some accounts show balances that were paid of also some account are closed or charged of but still have negative affects on credit and been transferred to collection that I didn't give permission to have my information also number don't match also have some inquiries that I didn't give permission to my information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
{$1400.00} XXXX XXXX XXXX XXXXXX/XX/year> I contacted them and repeatedly informing them of the issue and inaccuracy of this account. They insist on harassing me through emails and 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 non-monetary relief
Consumer complaint received 2025-02-23 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:
Complaint Details I am submitting this complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) committed by TransUnion and XXXX, including unlawful reinsertion of previously deleted fraudulent accounts, failure to notify me as required by law, and continued misreporting of inaccurate information. 
Issues Identified : 1. Illegal Reinsertion of Previously Deleted Accounts ( FCRA 1681i ( a ) ( 5 ) ( B ) ) TransUnions fraud department previously deleted and blocked two XXXX accounts. 
Despite this, the same accounts have reappeared on my TransUnion credit report without proper notification. 
TransUnion did not send me the legally required written notice within five business days of the reinsertion, which is a direct violation of FCRA 1681i ( a ) ( 5 ) ( B ).

2. Failure to Maintain Reasonable Procedures to Ensure Accuracy ( FCRA 1681e ( b ) ) TransUnion failed to ensure the accuracy of my credit report by allowing deleted accounts to be reinserted without validation.

This demonstrates willful non-compliance with FCRA 1681e ( b ), which requires credit bureaus to implement reasonable procedures to ensure maximum possible accuracy. 

XXXX. XXXX 's Continued Reporting of Inaccurate Balances ( FCRA 1681s-2 ( a ) ) The XXXX accounts report a balance due despite being previously deleted and marked as fraudulent. 
If these accounts were charged off or sold, the balance should be {$0.00}, yet TransUnion continues to allow XXXX to misrepresent my financial obligation. 

4. Failure to Provide 1099-C for Canceled Debt ( IRS & FCRA Violation ) If XXXX has charged off these debts and reported them as a loss, they are required under 26 U.S. Code 6050P to issue a 1099-C cancellation of debt form. 
I have never received a XXXX from XXXX, which further indicates inaccurate and misleading reporting. 

5. Re-Aging of Accounts to Extend Negative Reporting ( FCRA 1681c ( a ) ) The accounts closed in XXXX, yet TransUnion is reporting late payments in XXXX and XXXX, which suggests illegal re-aging to keep the negative items on my credit report longer than legally permitted. 

6. Willful Non-Compliance & Negligence ( FCRA 1681n & 1681o ) TransUnion 's failure to comply with FCRA reinsertion guidelines and lack of proper investigation of these disputes is a willful violation of my rights under FCRA 1681n, making them liable for statutory and punitive damages.

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 2025-02-23 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 am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

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/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 explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

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/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: FL

Complaint narrative:
" List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
-List all accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I looked at my Experian credit report on XXXX XX/XX/year> XXXX and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 usc 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of Inaccurate or unverifiable information.

( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the result of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I dont have exact dates but it Portfolio they call at all hours like XXXX and sometimes XXXX They say its from XXXX i have no recollection of Asked for info then they hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has velated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XX/XX/year> XXXX FUNDING C/O RESURGENT CAPITAL XXXX XXXX XXXX XXXX SC XXXX Subject : Cease and Desist Communication Dear LVNV funding c/o resurgent capital I hope this letter finds you well. I am writing to address the recent communication I received regarding the alleged debt associated with my account. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692cc, I am exercising my right to request that you cease all communication with me regarding this matter. 

Please be advised that I do not wish to receive any further calls, letters, or other forms of communication concerning this debt. According to the provisions of the FDCPA, you are required to honor this request, and I expect no further contact from your office. 

If you believe that you have a valid claim against me, I encourage you to provide documentation verifying the debt. Until such verification is received, I will consider this matter closed and will not engage in further discussions. 

Thank you for your attention to this matter. I look forward to your compliance with my request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I am filing a formal complaint against XXXX for its failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o, which establishes civil liability for negligence in non-compliance. 

On XX/XX/year> I disputed a inaccurate credit report item with XXXX. Despite my efforts, they failed to conduct a reasonable investigation, correct errors, provide proper notice, causing financial harm and distress. 

Under 15 U.S. Code 1681XXXX, XXXX is liable for actual damages resulting from their negligence. Their non-compliance has negatively impacted my credit standing, leading to higher interest rates, loan denials, financial loss. 

I request the CFPB to investigate this matter and hold XXXX accountable for its failure to comply with the law. I also seek corrective action, including the removal of inaccurate information and compensation for damages. 

Please let me know the next steps and how this complaint will be handled. Thank you for your time and assistance.

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items to be inaccurate. Despite multiple dispute attempts, these issues remain unresolved. Below are the details, including violations of federal credit laws that justify the removal of these negative items. 

1. Inaccurate Negative Accounts The following accounts are being reported inaccurately and unverifiably : * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under FCRA 1681e ( b ), credit bureaus must ensure maximum possible accuracy. Since the furnishers have failed to provide proper validation, these accounts should be deleted under FCRA 1681i ( a ) ( 5 ) ( A ). 

2. Unauthorized Hard Inquiries There are multiple hard inquiries on my credit report that I never authorized, violating FCRA 1681b ( a ) ( 2 ) : * 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 Under FCRA 1681b ( f ), consumer reports can not be accessed without a permissible purpose. Since I never applied for credit with these entities, these inquiries must be removed. 

3. Dispute History I have disputed these inaccuracies with the credit bureaus on : * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX Under FCRA 1681i ( a ) ( 1 ) ( A ), they had 30 days to investigate but failed to verify or delete the disputed items, violating federal law. 

Requested Resolution I request the following corrective actions : 1. Immediate deletion of the disputed accounts if unverifiable under FCRA 1681i ( a ) ( 5 ) ( A ).
2. Permanent removal of unauthorized inquiries under FCRA 1681b ( f ).

3. Written confirmation that these items have been removed. 
Failure to comply may result in further action under FCRA 1681n for willful noncompliance. I request CFPBs assistance in ensuring my credit report reflects only accurate and verifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: NJ

Complaint narrative:
This account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 
I am demanding a deletion of the following account Account name XXXX XXXX XXXX XXXX  Account Number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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 am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

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 explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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:
These are the accounts I marked as inaccurate. 

XXXX {$830.00} XXXX {$650.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX  {$1900.00} XXXX XXXX XXXX XXXX {$1800.00} XXXX {$350.00} XXXX XXXX XXXX XXXX {$1400.00}

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