vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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:
Subject : Formal Dispute and Demand for Immediate Deletion of Unauthorized Inquiries Dear Equifax Dispute Department, I am writing to formally dispute multiple unauthorized inquiries listed on my credit report. Upon reviewing my credit file, I identified the following inquiries that were made without my consent or authorization. After contacting the companies in question, they have been unable to provide verifiable proof that I initiated these inquiries or gave explicit written consent for them. 

Unauthorized Inquiries in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries have negatively impacted my credit score and are unjustly listed in my report. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( 15 U.S.C. 1681b ), a consumer report may only be accessed under permissible purposes, which include transactions initiated by the consumer. Since no such transaction was authorized by me, these inquiries are unlawful and must be removed immediately.

Furthermore, under Section 609 ( a ) ( 1 ) ( A ) of the FCRA, you are legally required to verify the legitimacy of each and every inquiry appearing on my credit report by providing tangible, verifiable proof of authorization, such as a signed contract or agreement.

If Equifax can not provide such documentation, you are legally obligated under Section 1681i Paragraph ( 5 ) to delete the unverifiable information promptly.

Request for Immediate Action : 1. Immediately delete the unauthorized inquiries from my credit report.

2. Provide verifiable proof of authorization for each of the above inquiries if you choose not to remove them.

3. Provide written confirmation of the removal of these inquiries or the supporting documentation verifying their legitimacy within the time frame required by law.

Failure to comply with my request will result in further action, including but not limited to filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office for violations of the Fair Credit Reporting Act.

I expect a prompt resolution to this matter and look forward to your written response confirming the deletion of these inquiries. Thank you for your immediate attention to this issue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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:
Subject : Formal Dispute and Demand for Immediate Deletion of Unauthorized Inquiries Dear Equifax Dispute Department, I am writing to formally dispute multiple unauthorized inquiries listed on my credit report. Upon reviewing my credit file, I identified the following inquiries that were made without my consent or authorization. After contacting the companies in question, they have been unable to provide verifiable proof that I initiated these inquiries or gave explicit written consent for them. 

Unauthorized Inquiries in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries have negatively impacted my credit score and are unjustly listed in my report. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( 15 U.S.C. 1681b ), a consumer report may only be accessed under permissible purposes, which include transactions initiated by the consumer. Since no such transaction was authorized by me, these inquiries are unlawful and must be removed immediately. 

Furthermore, under Section 609 ( a ) ( 1 ) ( A ) of the FCRA, you are legally required to verify the legitimacy of each and every inquiry appearing on my credit report by providing tangible, verifiable proof of authorization, such as a signed contract or agreement.

If Equifax can not provide such documentation, you are legally obligated under Section 1681i Paragraph ( 5 ) to delete the unverifiable information promptly. 
Request for Immediate Action : 1. Immediately delete the unauthorized inquiries from my credit report.

2. Provide verifiable proof of authorization for each of the above inquiries if you choose not to remove them.

3. Provide written confirmation of the removal of these inquiries or the supporting documentation verifying their legitimacy within the time frame required by law.

Failure to comply with my request will result in further action, including but not limited to filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office for violations of the Fair Credit Reporting Act. 
I expect a prompt resolution to this matter and look forward to your written response confirming the deletion of these inquiries. Thank you for your immediate attention to this issue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/year> a man came up to me while going to the atm and was begging to help him. He wasnt able to pull his money out of the bank due to not having a SC state ID and not having a Wells Fargo account. He said his money was trapped in a check and that he just needed someone to help access it. Out of pity I wanted to help him get back home, he submitted {$400.00} into my checking account and {$400.00} into my saving account, then withdrew {$800.00} out. The atm did not catch that it was a fraudulent check and allowed the money to come in and out of my account. XXXX  days later the bank returned the check and removed all money from my account. Immediately after I saw this I called and filed a scam and tried to dispute in a claim. Within 5 days I got a message back from the bank saying that they denied my claim and that I am not able to appeal the decision.

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 2025-01-30 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: IL

Complaint narrative:
CFPB Dispute Against Credit Bureaus XXXX XXXX, XXXX, TransUnion ) for Reporting Unverifiable Debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Respondents : XXXX XXXX TransUnion Subject : Formal Complaint Against Credit Bureaus for Failure to Remove Unverifiable Debt Reported by XXXX XXXX XXXX, XXXX XXXX of the Dispute I am filing this complaint against XXXX, XXXX, and TransUnion for failing to follow their legal obligations under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) by continuing to report an unverified collection account from XXXX XXXX XXXX, XXXX ( XXXX, XXXX ). 

Despite multiple disputes and complaints against XXXX XXXX, the credit bureaus have continued to verify the accuracy of an account that XXXX XXXX has failed to properly validate. 

This is a direct violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires credit reporting agencies to conduct a reasonable reinvestigation and delete information that can not be verified.

Violations by the Credit Bureaus 1. Failure to Properly Reinvestigate & Remove an Unverified Debt ( FCRA 1681i ( a ) ) XXXX XXXX XXXX failed to provide a signed agreement, proof of ownership, or chain of title for the alleged debt. 
Despite this, XXXX, XXXX, and TransUnion have continued to verify the account without any basis, which violates their legal duty to ensure that only verifiable and accurate information is reported. 
Under FCRA 1681i ( a ) ( 5 ) ( A ), any unverified debt must be permanently deleted.

2. Reporting Inaccurate and Misleading Information ( FCRA 1681e ( b ) ) Credit bureaus have a duty to ensure maximum possible accuracy in consumer reports.

Continuing to report a disputed and unvalidated debt misleads creditors and lenders and causes undue harm to my credit profile.

This is a willful violation under FCRA 1681n, exposing the credit bureaus to legal liability. 

3. Violation of Consumer Rights Under FCRA & CFPB Regulations The CFPBs guidelines require credit bureaus to remove unverifiable accounts after a reasonable dispute investigation. 
The failure to act suggests that the credit bureaus are rubber-stamping verification requests from XXXX XXXX without actually investigating their legitimacy. 

Attachments ( Supporting Evidence ) XXXX. Debt validation request sent to XXXX XXXX XXXX ( XXXX failed to validate ). 
XXXX. XXXX  response to CFPB complaint ( showing lack of verification ). 
XXXX. XXXX, XXXX, and TransUnion credit reports showing XXXX, XXXX still being reported. 
XXXX. Illinois Attorney General complaint & IDFPR complaint filings showing XXXX  questionable debt collection practices. 

Complainant Signature : 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 non-monetary relief
Consumer complaint received 2025-01-30 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: IL

Complaint narrative:
CFPB Dispute Against Credit Bureaus XXXX XXXX, Equifax, XXXX ) for Reporting Unverifiable Debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Respondents : XXXX Equifax XXXX Subject : Formal Complaint Against Credit Bureaus for Failure to Remove Unverifiable Debt Reported by XXXX XXXX XXXX, XXXX XXXX of the Dispute I am filing this complaint against XXXX, Equifax, and XXXX for failing to follow their legal obligations under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) by continuing to report an unverified collection account from XXXX XXXX XXXX, XXXX ( XXXX, XXXX ). 

Despite multiple disputes and complaints against XXXX XXXX, the credit bureaus have continued to verify the accuracy of an account that XXXX XXXX has failed to properly validate. 

This is a direct violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires credit reporting agencies to conduct a reasonable reinvestigation and delete information that can not be verified.

Violations by the Credit Bureaus 1. Failure to Properly Reinvestigate & Remove an Unverified Debt ( FCRA 1681i ( a ) ) XXXX XXXX XXXX failed to provide a signed agreement, proof of ownership, or chain of title for the alleged debt. 
Despite this, XXXX, Equifax, and XXXX have continued to verify the account without any basis, which violates their legal duty to ensure that only verifiable and accurate information is reported. 
Under FCRA 1681i ( a ) ( 5 ) ( A ), any unverified debt must be permanently deleted. 

2. Reporting Inaccurate and Misleading Information ( FCRA 1681e ( b ) ) Credit bureaus have a duty to ensure maximum possible accuracy in consumer reports. 
Continuing to report a disputed and unvalidated debt misleads creditors and lenders and causes undue harm to my credit profile.

This is a willful violation under FCRA 1681n, exposing the credit bureaus to legal liability.

3. Violation of Consumer Rights Under FCRA & CFPB Regulations The CFPBs guidelines require credit bureaus to remove unverifiable accounts after a reasonable dispute investigation. 
The failure to act suggests that the credit bureaus are rubber-stamping verification requests from XXXX XXXX without actually investigating their legitimacy. 

Attachments ( Supporting Evidence ) XXXX. Debt validation request sent to XXXX XXXX XXXX ( XXXX failed to validate ). 
XXXX. XXXX  response to CFPB complaint ( showing lack of verification ). 
XXXX. XXXX, Equifax, and XXXX credit reports showing XXXX, XXXX still being reported. 
XXXX. Illinois Attorney General complaint & IDFPR complaint filings showing XXXX  questionable debt collection practices. 

Complainant Signature : XXXX XXXX XXXX XXXX : XX/XX/2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Credit Bureau Dispute Department Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Dear Credit Bureau Representative, I am formally disputing the inaccurate reporting of the account " XXXX '' on my credit report. Under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX et seq., I demand an immediate investigation and removal of this erroneous account within five ( 5 ) days, or I will pursue legal damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.

Inaccuracies and Violations : Account Paid in Full Yet Negative History Remains The account shows a XXXX balance and states that I have " paid off 100 % '' of the loan. However, it still reflects late payments, which is misleading and violates 15 U.S.C. 1681e ( b ), requiring maximum possible accuracy.

Payment History Errors The report indicates that I was " 60-89 days late '' despite the account being fully paid. If there were late payments, they should no longer be negatively impacting my credit file after account closure.

Unverified Late Payments and Reporting Beyond Closure No valid documentation has been provided to substantiate the late payments. Reporting unverifiable negative information violates FCRA regulations.

Hindrance to My Financial Opportunities Due to these inaccuracies, I have been denied multiple credit opportunities, employment, and financial products. Under 15 U.S.C. 1681i ( a ), I demand the immediate deletion of this erroneous account.

Resolution Demanded : Permanently remove this account from my credit report.

Provide written confirmation of removal within five ( 5 ) days.

Cease further reporting of this inaccurate information to avoid further legal liability.

Failure to comply will result in legal action for damages under the FCRA, including statutory damages, attorney fees, and court costs. I expect a response within five ( 5 ) days from the receipt of this letter. 
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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: NC

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 actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs 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 2025-01-30 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: CITIBANK, N.A.
State: GA

Complaint narrative:
Threat actors were able to add an additional address to both my credit report and my Best Buy credit card account. They then made several unauthorized changes to my Best Buy credit card, even though I still have the physical card in my possession. In response, I contacted Best Buy and XXXX and placed a fraud alert on my 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 2025-01-30 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: Westlake Services, LLC
State: FL

Complaint narrative:
I would like to express my concern regarding the credit inquiries made in my name. On XX/XX/XXXX, I noticed that my credit information was inquired multiple times across different bureaus, which I consider excessive and unnecessary. These actions have negatively impacted my credit history, affecting my credit score.

The repeated inquiries are not only unnecessary but, in my view, constitute an abuse of my personal information. In this regard, I request that you review and clarify the reason for these inquiries and take the necessary steps to correct any potential errors or misunderstandings that may have occurred during this process.

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