vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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: MD

Complaint narrative:
XXXX XXXX XX/XX/year> I am writing to formally dispute certain information that has been reported on my credit file under the provisions of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681. It has come to my attention that certain data has been reported by your agency without my explicit written consent to either furnish or obtain my personal information.

Pursuant to 15 U.S.C. 1681b, a consumer reporting agency is prohibited from furnishing information about me without my written consent, unless a permissible purpose exists under the law. Furthermore, I have not given any authorization or consent for the reporting or inquiry of my information by the parties involved. I respectfully request that you conduct a thorough investigation to verify the accuracy of the information and ensure it has been reported in compliance with federal law.

In light of this, I am requesting that you immediately : 1. Investigate the validity of the reported information in accordance with 15 U.S.C. 1681i.

2. Provide evidence of my written consent for the disclosure or inquiry of my credit information.

3. Remove any unauthorized inquiries or accounts from my credit report.

Please note that if you can not provide proper documentation or proof of consent, I expect the information to be removed from my credit file promptly, in accordance with the Fair Credit Reporting Act.

I would appreciate your written response within 30 days, as required by law. Should you need any additional information to process my dispute, please do not hesitate to contact me.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
wells fargo isn't allowing me to have my credit card which is open and active to be registered online to be able to log in see transactions pay the credit card balance etc they are discriminating against me for no reason whatsoever!

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 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for the Citi double cashe credit card earlier this month because I saw a 0 % interest balance transfer offer. I had never used a balance transfer before but I wanted to consolidate my debt ( that I had accumulated from a vacation in XX/XX/year>XXXX  ). I got an inital credit limit of XXXX. I thought it was a bit low but since it said " initial '' I thought it was because I needed to activate the card. I got the card in the mail and I activated it, tried to do an online credit line increase and was told I had to call in. I called in and was told that my credit line increase was rejected and I had to wait for the report ( I know my report is going to say I have outstanding debt ). Prior to all of this my credit score has been consistently in the XXXX. If I knew that my credit line was so low I would have never applied to this card. Without this credit line increase, the card is unusable for its intended 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 explanation
Consumer complaint received 2025-01-22 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: LA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 2025-01-22 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 explanation
Consumer complaint received 2025-01-22 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-01-22 00:00:00
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I had my credit card, Target hacked off my computer by an individual misrepresenting himself as XXXX from XXXX. I contacted Target, they canceled the card, reissued a new card and number, and then proceeded to charge the fraud charges to my new account, claiming I benefited from the charges. I hired an attorney in XXXX to clear this matter up. XXXX XXXX XXXX XXXX XXXX Pa which has to date been unable to resolve the issue. The attorney sent a copy of my POA, which they signed for. 
The state police were notified, my computer was cleaned professionally, and I have spent {$2500.00} on attorney fees, so far, trying to resolve this matter, which I should not have been responsible for, since I reported it as fraud. I froze my accounts on credit reporting agencies, filed an identity thief claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Bankruptcy is on record that was dismissed because of non payment of court fees, which means it cease to exist, I have been ignored and I dont think they sent did any investigation whatsoever, equifax took 5 days exactly to send a generated message explaining that this was accurate, the ai generated message came on a Sunday evening at XXXX, they then placed previously deleted ( XXXX XXXX XXXX credit information back on credit report, so Im curious am I bankrupt or in debt because as of today Im both? 
Thanks for your assistance with this, Warm regards XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies. 
Please delete all these fraudulent accounts none of the listed is associated with me. The account listed are not transactions done by myself.

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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to address my concerns regarding Zelle 's approach to handling disputes, especially in light of the recent CFPB lawsuit that highlights critical flaws within the platform. Despite being a regular user and reporting discrepancies, neither my financial institution nor Zelle conducted a thorough investigation into my claims. I was informed that recovering the lost funds was impossible and that tracking the transactions was not feasible. The CFPB 's finding reveal that Zelle has failed to safeguard consumers and has allowed repeat offenders to exploit vulnerabilities in the system, leaving users exposed to scams. This lack of accountability and transparency is deeply concerning and raises significant issues about consumer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX  ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Retention Consulting Services Inc.
State: VA

Complaint narrative:
XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX is now reporting information to credit bureaus under both companies. This has caused my credit score to drop each time it is reported to a different agency. 
I have sent cease and desist letter to XXXX months ago. Now one company is using the other company to further damage my credit by reporting to different agencies and being reported more than once or twice.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-22 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:
XXXX XXXX XXXX XXXX XX/XX/XXXX {$710.00} Unknown - credit extension, review, or collection I have contacted the company and the credit bureau and nothing has been done. I have not received a response. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX dates are different on all bureaus {$310.00} I have contacted the company and the credit bureau and nothing has been done. I have not received a response. 

XXXX XXXX XXXX XXXXXXXX XXXX {$850.00} dates are different on each bureau. I have contacted the company and the credit bureaus and nothing has been done. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: PA

Complaint narrative:
i have been disputing account on my credit thats reporting inaccurate information from XXXX transunion and XXXX it keeps coming back verified i asked for proof they doesnt provide me with anything about the accounts i have been voilated by codes 15 U.S. Code 1681 ( i ) - not deleting items that are inaccurate or incomplete 15 U.S. Code 1681 ( i ) ( a ) - not providing you with the method of verification within 15 days after asking for it 15 U.S. Code 1681 ( i ) ( a ) - not reviewing all documents that you send them in your disputes therefore not conducting a proper re investigation

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 2025-01-22 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: PA

Complaint narrative:
i have been disputing account on my credit thats reporting inaccurate information from XXXX XXXX and equifax it keeps coming back verified i asked for proof they doesnt provide me with anything about the accounts i have been voilated by codes 15 U.S. Code 1681 ( i ) - not deleting items that are inaccurate or incomplete 15 U.S. Code 1681 ( i ) ( a ) - not providing you with the method of verification within 15 days after asking for it 15 U.S. Code 1681 ( i ) ( a ) - not reviewing all documents that you send them in your disputes therefore not conducting a proper re investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-01-22 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: Upstart Holdings, Inc.
State: CA

Complaint narrative:
I recently discovered a mistake in my credit report that does not align with my personal records, which has caused me some concern. This inconsistency could potentially affect my credit standing, and I would like it addressed as soon as possible. Please take the time to review my report and correct any errors you uncover. Thank you for your cooperation and for ensuring the integrity of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: PA

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: VA

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 ( 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. I have listed the accounts below : XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: SC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute a collection account that appears on my XXXX credit report but does not appear on my other credit reports ( e.g., XXXX or TransUnion ) XXXX I believe that this entry is either inaccurate, incomplete, or misreported, and I respectfully request that it be investigated and removed if it can not be properly verified. Details of the disputed account : Creditor/Collection Agency : XXXX  Account Number : # XXXX Reported Balance : {$1600.00} Date of Collection : 2018 This account does not appear on my credit reports with any other credit bureaus. Given that the other bureaus do not list this account, I believe there may be an error or inconsistency with the reporting of this account to XXXX. Relevant consumer laws : Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. You are required by law to investigate and resolve any such disputes within 30 days. Additionally, according to Section 1681i of the FCRA, if you can not validate or verify the accuracy of this account after conducting your investigation, you are required to remove the entry from my credit report. Request for Action : I respectfully request the following : 1. A thorough investigation of this collection account. 2. Verification of the accuracy of this account. 3. If you can not verify the account, I request that this collection be removed from my XXXX credit report. Please provide me with a written response detailing the outcome of your investigation. I also request that you send me an updated copy of my XXXX credit report reflecting any corrections made. Thank you for your prompt attention to this matter. I look forward to your response within the XXXX investigation period mandated by the FCRA.

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