vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-29 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX TransUnion Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Identity Theft Dispute Request for Immediate Removal of Fraudulent Accounts & Inquiries To Whom It May Concern, I recently obtained a copy of my credit report on or about XX/XX/XXXX, and discovered multiple fraudulent accounts and inquiries that I did not authorize. I am a victim of identity theft, and I am formally disputing the following accounts and inquiries as fraudulent. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, I am requesting the immediate blocking and removal of these accounts and inquiries from my credit file. These unauthorized items are preventing me from purchasing my first home, and I need urgent assistance in rectifying this matter. 


-- - Fraudulent Accounts XXXX XXXX  Account Number : XXXX Credit Limit : {$3000.00} Balance : {$3200.00} ( Overutilized ) Status : Closed Date Opened : XX/XX/XXXX Balance Updated : XX/XX/XXXX DPT EDXXXX Account Number : XXXX Balance : {$970.00} Status : Open Date Opened : XX/XX/XXXX Balance Updated : XX/XX/XXXX XXXX Late Payment DPT EDXXXX Balance : {$3600.00} Balance Updated : XX/XX/XXXX Late Payment Reported DPT EDXXXX Balance : {$4800.00} Balance Updated : XX/XX/XXXX Late Payment Reported DPT EDXXXX XXXX : {$1200.00} Balance Updated : XX/XX/XXXX Late Payment Reported XXXX ( Original Creditor : XXXX ) Account Number : XXXX Original Balance : {$12000.00} Status : Paid Off Balance Updated : XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number XXXX XXXX Original Balance : {$430.00} Status : Paid Off Balance Updated : XX/XX/XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Account Number : XXXX Original Balance : {$290.00} Status : Paid Off Balance Updated : XX/XX/XXXX Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Original Balance XXXX {$1100.00} Status : Paid Off Balance Updated : XX/XX/XXXX -- - Fraudulent Inquiries XXXX  XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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:
Subject : Formal Dispute of Inaccurate Tradeline Metro 2 Compliance Violations ( XXXX XXXX XXXX, Acct # XXXX ) To Whom It May Concern, I am writing to formally dispute the following inaccurate and non-compliant information on my credit report in violation of **Metro 2 Credit Reporting Guidelines** and the **Fair Credit Reporting Act ( FCRA ) **. The account in question is : XXXX XXXX XXXX  Account # : XXXX Status : Charged Off Metro 2 Violations & Dispute Reasons 1. Incorrect " Date of Status '' ( Metro 2 Field 18B ) - The Status Updated '' date is XX/XX/XXXX, yet the tradeline reports a past-due balance as of XX/XX/XXXX. 
- Violation : The " Date of Status '' must reflect the most recent activity. This inconsistency misrepresents the accounts timeline. 


2. Improper " Account Status '' Reporting ( Metro 2 Field 17 Status Code '09 ' ) - The account is closed and charged off, but the furnisher continues reporting a past-due balance ( {$730.00} ) as if the account were active. 
- Violation : A charged-off account ( Status Code '09 ' ) should not report monthly past-due amounts unless new delinquency occurs ( which is impossible on a closed account ). 


3. Balance Exceeds Credit Limit Without Proper Coding ( Metro 2 Field 8 " Credit Limit '' ) - The credit limit is {$400.00}, but the balance is {$730.00} ( XXXX XXXX  utilization ). 
- Violation : If fees/interest caused the over-limit balance, the furnisher must report it under Field 44 ( Original Charge-Off Amount ) not as an ongoing revolving balance. 


4. Inaccurate Payment History ( Metro 2 Fields 29-32 ) - The last payment was XX/XX/XXXX, yet the **balance was updated in XX/XX/XXXX without justification. 
- Violation : Payment history must reflect XXXX XXXX of verifiable activity. Arbitrary updates without payment activity violate Metro 2 standards. 


5. Missing Dispute Code ( Metro 2 Field 27 " Compliance Condition Code '' )- The comment states " Account information disputed by consumer '' * but lacks the required Metro 2 dispute code ( 'XB ' for FCRA disputes ) **. 
- Violation : Furnishers must use proper dispute codes to ensure compliance with FCRA 623 ( a ) ( 3 ). 


Requested Action Under FCRA 611, I demand : Permanent deletion of this tradeline if the furnisher can not verify its accuracy within XXXX XXXX. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: Omega RMS, LLC
State: CA

Complaint narrative:
I am submitting this formal complaint regarding the validation of alleged financial obligations and improper identification practices in clear violation of my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ). Specifically, I received documentation purporting to demonstrate that I authorized or acknowledged a financial obligation. Upon review, I discovered glaring inaccuracies : the birthdate listed is incorrect, and the associated address is one at which I have never resided, nor had any legal or practical connection. Clearly, the entity has provided false, inaccurate, and misleading identification data, failing their obligation under the FCRA 611 to maintain accuracy and under the FDCPA 809 ( b ) to properly validate alleged debts. This gross oversight and clear negligence suggest possible identity confusion or identity theft, a serious breach of consumer protection standards. I am deeply troubled by the careless handling of my personal identifying information, and I firmly assert that this alleged obligation is unsupported by accurate or valid documentation. Therefore, I request an immediate investigation into this matter, correction or deletion of this erroneous information, and provision of any and all documentation the entity possesses linking me to this obligation. There is no identification. Nor proof of identity. This is simply a name with a different birthday and no picture ID. This is someone with a similar name, and I want this information removed from my credit report unless I am provided with visual identification. I am not. I further request confirmation of compliance with federal laws mandating accurate and thorough validation of debts and personal identifying information. I anticipate your prompt action to rectify this clear violation of my consumer rights and protections as set forth by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: TX

Complaint narrative:
Equifax 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 Equifax, 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 Equifax 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 Equifax 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Request for Immediate Deletion of Incorrect Information from My Credit Report Dear Credit Bureau I am writing to formally dispute incorrect information listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), credit bureaus are required to ensure that all information reported is 100 % accurate. The presence of incorrect phone numbers on my credit report constitutes a violation of this law. 

The following phone numbers are inaccurately listed on my credit report and must be deleted immediately : XXXX XXXX XXXX  As per the FCRA, I am requesting that these erroneous phone numbers be removed from my credit file without delay. Failure to correct these inaccuracies could result in further action to enforce my rights under federal law. 

Please provide written confirmation once these phone numbers have been deleted from my credit report. If you require any further information from me to expedite this correction, do not hesitate to contact me at the provided contact details. 

I appreciate your prompt attention to this matter. 

Sincerely, 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 2025-03-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CAPITAL ONE RESPONDED TO MY LAST DISPUTE WITH A STALL LETTER, IM THE ONE, I AM ME, THEIR IS NO ONE DOING THIS DISPUTE FOR ME. STOP WITH THE STALL LETTER AND NOW DO A REINVESTIGATION ON THE ACCOUNT, THE ONLY THING CAPITAL ONE IS DOING IS ADD MORE VIOLATIONS AND I WILL ENFORCE THEM THATS A PROMISE. HERE THIS THE DISPUTE : Request for Information on Consumer Rights Dear [ CAPITAL ONE ], I am reaching out with a sense of urgency and determination regarding my consumer rights. I understand that this account is currently marked as charged off, but it is imperative that I obtain specific information to fully understand my rights and obligations. I kindly request your assistance in providing answers to the following critical questions : 1. Date Opened : When was this account initially established? 2. High Credit : What is the highest amount charged on this account? 3. Credit Limit : What was the original credit limit assigned to this account? 4. Date Last Reported to Credit Bureaus : When was this account last reported to the credit bureaus? 5. Date When Charged Off : On what date was this account officially charged off? 6. Date Last Active : When was the last activity recorded on this account? 7. Date of Last Payment : What is the date of the most recent payment made on this account? 8. Two-Year Payment History Reported to the Credit Bureaus : 9. Can you provide the payment history for the past two years as reported? Your prompt response to these inquiries is not only appreciated but essential for my understanding of my consumer rights and the implications of this account status. Thank you for your attention to this matter. Sincerely, XXXX XXXX UCC 1-308 All Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX & XXXX XXXX  shows I am making installment loan payments. I do not have an account with XXXX & XXXX XXXX. It shows a balance of {$13.00}, xxx.xx.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX & XXXX XXXX  shows I am making installment loan payments. I do not have an account with XXXX & XXXX XXXX. It shows a balance of {$13.00}, xxx.xx.

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 2025-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
RMP LLC is attempting to collect XXXX medical debts from me. XXXX is {$20000.00} and the other is {$2200.00}. I believe under the new law, neither should be on my credit report but regardless I dont owe either debt. Ive checked every EOB and account possible and Ive never owed either of those amounts. I also never received any communications from RMP about the debt. Ive read that they have a track record for doing this. Neither debt is legitimate and shouldnt be on my credit report. I disputed both through XXXX XXXX and they said they were valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Dear Wells Fargo, I am filing a complaint regarding a misleading promotional offer for a new checking account bonus. 

I received a promotional email from Wells Fargo that included a bonus code for a {$320.00} welcome bonus upon opening a new Everyday Checking account. The terms and conditions in the fine print under the " To be eligible '' section stated that the offer was not available to : 1.Customers who received a bonus for opening a Wells Fargo consumer checking account within the past 12 months, 2. Wells Fargo employees, or 3XXXX XXXX XXXX XXXX XXXX XXXX signing any version of IRS Form W-8 . 

As a XXXX XXXX ( a XXXX XXXX for tax purposes ), I do not fall under the ineligible categories outlined in the offer. 

Initially, I attempted to open the account online, but I was informed that since I am not a permanent resident, I would need to complete the process at a branch. Following this, I went to a Wells Fargo branch, where the banker told me that she was unable to enter the bonus code if I declared that I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This contradicts the terms of the promotion, as the advertisement did not specify that XXXXXXXX XXXX XXXX XXXX XXXX was a requirement for eligibility. 

I believe this practice is misleading and unfair, as it denies eligible customers access to a promotional offer based on undisclosed criteria. I request that Wells Fargo honor the terms of its promotion as advertised and ensure that its eligibility requirements are clearly and accurately communicated. 

Thank you for your time and assistance in reviewing this matter. 

Sincerely, A Wells Fargo Customer

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 2025-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I went to 5/3 Bank to try an open a checking account with my daughter. The banker after putting all my information in their system flaged my name. The banker told me that it seems that someone tried to open an account with them before. I told her I've never had an account with 5/3 bank. She proceeded to give me a letter on why I was being declined and a number to XXXX XXXX to be able to get a letter in the mail with more information on the banks decision. Turns out that the report was for Suspected Fraud Activity the date of closure was XX/XX/XXXX and the address to this was XXXXXXXX XXXX XXXX XXXX XXXX a address that I have never lived at! I've been living in my home since XX/XX/XXXX. I want to report a fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: SC

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. I would like to assert that no permissible purpose under XXXX USC XXXXb ( 2 ) has been established and under the Fair Credit Reporting Act this must be established. 


XXXX U.S.C XXXX ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information. XXXX U.S.C XXXX ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 


XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 


XXXX U.S.C section XXXX A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 


XXXX U.S.C XXXXc ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 


XXXX U.S.C XXXXb ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX U.S.C XXXX ( 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. 


These following accounts are reporting inaccurate information on my credit report and need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: MI

Complaint narrative:
I demand the removal of all fraudulent hard inquiries from my credit report within four days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided. Additionally, I request that you provide the specific reason for reporting these inquiries, in accordance with 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned hard inquiries are the result of identity theft and fraud. 

Unauthorized Inquiry : XXXX XXXXXXXX XXXX XXXX XXXXXXXX : XX/XX/year>

Company response to consumer: Closed with explanation