vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Im currently waiting on a response from them and they still have not replied. I reported these accounts to be fraudulent identity death and they still have not took this off my credit. 

Above I have a few items that are inaccurate By law I am allowed to dispute anything that I feel is erroneous and not 100 % accurate. 
XXXX was sued for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that XXXX does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
Inaccurate or false information on consumer reports can threaten consumers ' which is your company! 

Thes hard inquiries were taken off of equitable and transunion but yet their still on 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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Im currently waiting on a response from them and they still have not replied. I reported these accounts to be fraudulent identity death and they still have not took this off my credit. 

Above I have a few items that are inaccurate By law I am allowed to dispute anything that I feel is erroneous and not 100 % accurate. 
XXXX was sued for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that XXXX does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
Inaccurate or false information on consumer reports can threaten consumers ' which is your company! 

Thes hard inquiries were taken off of equitable and transunion but yet their still on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: TX

Complaint narrative:
All three credit bureaus Experian XXXX, and XXXX have failed to fulfill their legal obligation under Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. Under 15 U.S. Code 1681o, I am exercising my right to seek a correction of any information that is reported negligently or inaccurately. I am requesting that you conduct a reasonable investigation into this matter and correct any discrepancies found. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, for failure to provide evidence of investigation and much more. Well these failures has been my experience with them, no one has send me any documentation in regards to my dispute. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *Removal of all late payments and closed accounts It's presence on my credit report is harming my credit score and overall financial well-being. As required by the Fair Credit Reporting Act, I am requesting immediate corrective action to remove the disputed accounts as these credit bureaus inaction violates federal law and my rights as a consumer. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this dispute.. 

I will also attach all the information and dispute letters in attempt to resolve this with the credit bureaus. Yet nothing was sent to me from them, just my report claiming to be verified.

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
My Name is XXXX XXXX XXXX I have reached out to the company regarding incorrect information being reported on my report with them. I have been denied bank membership due to inaccurate information these companies are reporting.

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
My Name is XXXX XXXX XXXX I have reached out to the company regarding incorrect information being reported on my report with them. I have been denied bank membership due to inaccurate information these companies are reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: MI

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint against Discover for incorrect reporting of a charged-off credit card account, which is being displayed as an active line of credit on my credit report. This discrepancy is not only causing significant harm to my credit score but also violates my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 

The credit card account in question, with account number XXXX, was charged off by Discover on XX/XX/year>. However, when reviewing my credit reports from the three major credit bureaus ( XXXX, XXXX, and XXXX ), I found that this account is still being listed as an " active '' line of credit, which is inaccurate and misleading. 

According to the Fair Credit Reporting Act ( FCRA ), credit reporting entities are required to report accurate and complete information to consumer reporting agencies ( Section 1681e ( b ) ). In addition, the FCRA mandates that any information which is found to be inaccurate or incomplete must be corrected promptly ( Section 1681i ). By reporting this account as an active line of credit when it has been charged off, Discover is failing to comply with these requirements. 

Furthermore, under the FCRA, accounts that have been charged off should be marked as such on a consumers credit report. The continued reporting of a charged-off account as an active credit line could potentially mislead lenders or other third parties who review my credit report, and it may cause unnecessary harm to my creditworthiness. 

I kindly request that the Consumer Financial Protection Bureau intervene in this matter and assist in ensuring that this credit card account is reported accurately in accordance with the law. I also request that Discover be instructed to update my credit report with the correct status of this account. 

I have already disputed this issue directly with the credit bureaus, but as of now, the error has not been corrected. I have attached copies of my credit report and any relevant documentation to support my claim. 

I appreciate your prompt attention to this matter and look forward to a resolution as soon as possible. Please let me know if you require any additional information. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: NY

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I requited debt validation and they reported that I owned the debt, however there was no information on how they determined that I owned the debt and when I disputed it with XXXX they gave no information on how they determined if I owned the debt. Also in light of the law suit by CFPB I do not trust the investigation process of 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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX XXXX. The supposed the bank representative, he tell me to go, to XXXX and he guide me how to do it. And I made it, because I trusted, the call comes from Chase Bank and he take {$4400.00} from my checking account. I submitted my concern to the bank and they can not give me de the money back. They start investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
On or around XX/XX/XXXX, I discovered unauthorized accounts opened in my name. The following accounts were fraudulently opened without my knowledge or consent : Capital One account with a balance of {$3500.00} ( reported XX/XX/XXXX ) XXXXXXXX XXXX XXXXXXXX account with a balance of {$2500.00} ( reported XX/XX/XXXX ) XXXX XXXX account with a balance of {$3400.00} ( reported XX/XX/XXXX ) I did not open these accounts, authorize their creation, or make any charges on them. I believe I am a victim of identity theft, as my personal information was compromised in a data breach. I am disputing all of these accounts and requesting their immediate removal from my credit report. 
I will provide additional identifying information upon request to help verify my identity and assist with this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: PA

Complaint narrative:
I submitted documents to dispute closed account and collections on my report and was denied without valid reason. My debt was also sold to dept collectors whom I did not sign a contract with these specific companies! 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, debt collectors and credit reporting agencies are required to report only accurate and verifiable information. If my original creditor sold my account to a debt buyer, the original creditor should no longer be reporting the debt, and the debt buyer must ensure the information is accurate before placing it on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I have the right to dispute any inaccurate, incomplete, or unverifiable information on my credit report, including collections and closed accounts.

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 2025-01-29 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I noticed a collection on my account with a social security number that was not the last 4 of mine. 
I called XXXX XXXX XXXX and spent hours and multiple days wanting information. They said they had no record and even though my credit alerted me that my information was breached through their company they could not do anything about it. 
I told Transunion about this, they acted like it was no big deal. 
I call the collection ( XXXX XXXX XXXX XXXX ) Wanting all details on this report. What it was on, the information ( they had an email, phone number and an account that I had not had ). I told them this. They said to file with XXXX XXXX XXXX. Once again, XXXX XXXX XXXX  couldnt help me. 
I got a letter from TRANSUNION saying that the collections was correct but no details on what it was for. 
I got on Transunion and started another dispute ( which the first dispute wasnt even noted in the transunion account ) I created the dispute, put in information I got from the collections agency and also that I had spent hours talking to XXXX XXXX XXXX about this. 

Got an email today that it had been deleted. 
They did NOTHING to solve this. XXXX XXXX XXXX did NOTHING.

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 2025-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed the following items since XXXX with no valid verification Addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of the above are licensed to collect in my state. 

Trans Union has failed to fulfill it 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 XXXX, alleging systemic issues such as failing to a 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 Trans Union 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 Trans Union inaction violates federal law and my rights as a consumers

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I received a copy of my Equifax credit report, and noticed some late payments that needs to be deleted. It is as follows : XXXX XXXX XXXX Your agency has committed a violation of my federal and consumer rights ; evidence is provided in 15 USC 1681b ( 2 ) of the Fair Credit Reporting Act, which is detailed below. 
15 USC 1681b ( 2 ) - permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I did NOT give your agency written authorization or written instructions to report this information. 
Your agency has not only committed aggravated identity theft but has also falsely accused me of defaming my character, to name a few damages that may be awarded in court, in addition to violating the Fair Credit Reporting Act. 
As detailed below, XXXX, Equifax, and XXXX have also violated my consumer rights. 
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
The disclosure of this information not only violates federal law but also constitutes aggravated identity theft and character defamation against me, similar to how your agency has harmed me ( 15 USC 1666b ) by failing to obtain my written consent to report such information. 
Late payments can not be reported if the consumer was not notified 21 days prior to the due date. It should state " mailed or delivered '' to the customer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: NY

Complaint narrative:
I am writing to formally address an item that appears on my credit report regarding a debt that I have no knowledge of. After thoroughly reviewing my records, I believe this debt is inaccurate and does not belong to me. 

To resolve this matter, I sent a dispute memo to all three major credit bureausXXXX XXXX XXXX XXXX [ insert date ], requesting that they investigate and remove this erroneous entry from my credit profile. It has now been over 30 days, and I have not received any response from the credit bureaus. 

Given the recent legal actions taken by the Consumer Financial Protection Bureau ( CFPB ) against these credit reporting agencies, I believe that under the terms of those agreements and the CFPBs guidance on fair credit reporting, the credit bureaus are obligated to remove any inaccuracies, including this disputed item. 

Therefore, I request that the CFPB intervene in this matter and ensure that this inaccurate debt is promptly removed from my credit report, as the credit bureaus have failed to resolve the issue within the required timeframe. 

I have attached relevant documentation, including copies of my dispute letters to the credit bureaus and my credit reports showing the inaccurate item. Please let me know if you require any further information. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Charge off without being sent 1099c I have been working with a debt resolution team. Though we've consistently tried to resolve the debt. It was still charged off XX/XX/year> and I have not received a 1099-c and still have delinquency marks every month on my account.

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 2025-01-29 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: NY

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-01-28 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: NC

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 explanation