vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: NY

Complaint narrative:
This account was charged off on the following date XXXX, 2024. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 

This is the third claim that I have submitted through cfpb and you fail every time, it is totally illegal to recondition the account, every month you continue to report it as a new account in charge off, I will proceed to sue you for negligence when doing investigations, due to this account my credit does not advance because each month it is responsible for reducing XXXX points in my credit score. I don't know how or you can't see them because the history is there, you can see in each report how they recondition it and you are supporting this incorrect use in my report. every claim have failed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Unauthorized/Erroneous Account RESULT OF The XXXX Data XXXX Direct Violation The FCRA Reporting falsely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I never authorized these accts to be opened

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 2025-02-04 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: NC

Complaint narrative:
Subject : Request for Blocking and Deletion of Accounts Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to formally request the immediate blocking and deletion of the following accounts from my credit report, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my rights under federal law to have these accounts blocked and removed from my credit file. 
The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The Bankkruptcy are asking that Experian remove the bankruptcy off od my credot and there public records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: NJ

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
Citizen Bank have failed to provide me with the option to opt out of such reporting, as required by 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ).

Option B : A financial institution may not disclose non-public personal information to a non-affiliated third party unless the consumer is given the opportunity to opt-out before such disclosure.

Option C : The consumer must be provided with clear instructions on how to exercise this opt-out option.

I have reached out to them to remove this information from my credit report and they have yet to have this information removed and despite my previous disputes, Under FCRA Section 605 ( b ) ( 15 U.S.C. 1681c-2 ), they are required to block or remove any unauthorized reporting within four ( 4 ) business days of receiving sufficient notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: WI

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : DEMAND FOR IMMEDIATE BLOCKING AND DELETION OF FRAUDULENT ACCOUNTS PURSUANT TO 15 U.S.C. 1681c-2 ( a ) Dear Equifax Customer Service , I am writing to formally demand the immediate blocking and deletion of all fraudulent accounts and unauthorized inquiries appearing on my credit report as a direct result of identity theft stemming from the Equifax data breach. Under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove fraudulent information from my credit file upon notification and supporting documentation. 
The fraudulent items I am disputing include : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To XXXX XXXX your investigation, I have enclosed the following documents : A copy of my government-issued ID Proof of address utility bill or bank statement A copy of a FTC Identity Theft Report Due to Equifaxs failure to protect my personal information, I have suffered financial harm and reputational damage. I demand that Equifax immediately remove all fraudulent accounts and inquiries from my credit report and provide me with written confirmation of the deletions. Additionally, if any disputed item is reinserted into my credit file, I expect Equifax to provide a detailed explanation, including the evidence used to verify its accuracy. 
Failure to comply with this request will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and other relevant regulatory authorities. I expect a resolution within the legally mandated timeframe and will pursue all available legal remedies if necessary. 
Please confirm receipt of this letter and provide a resolution promptly. If you need further information, I can be reached at the information above. 
Sincerely, XXXX XXXX XXXX Enclosures ID Proof of Address SSC FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I am so exhausted I've been trying to correct things with XXXX but it's no response no reply nothing! I sent so many letters certified and I still get no response. 

please help me pursuant to 15 USC 1681i ( a ) 1 they are required to respond within 30 days or the items shall be removed. pursuant to 15 USC 1681i ( a ) 6 ( B ) 3 they aren't properly investigating these accounts. 

please help me as these aren't my accounts XXXX XXXX XXXX American Honda XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am so exhausted I've been trying to correct things with XXXX but it's no response no reply nothing! I sent so many letters certified and I still get no response. 

please help me pursuant to 15 USC 1681i ( a ) 1 they are required to respond within 30 days or the items shall be removed. pursuant to 15 USC 1681i ( a ) 6 ( B ) 3 they aren't properly investigating these accounts.

please help me as these aren't my accounts XXXX XXXX XXXX XXXX XXXX navy federal credit union XX/XX/year> {$1100.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: GA

Complaint narrative:
On XX/XX/year>, I submitted a certified letter to Equifax asking them to investigate an erroneous item on my credit report. The account is as follows : XXXX XXXX XXXX XXXX Account Number : XXXX ( as listed on my credit report ) Amount : {$1800.00} This item was sent via United States Postal Service certified mail tracking number XXXX. Upon tracking this letter, it was delivered on XX/XX/year> at XXXX EST. I am attaching a copy of the envelope as well as the letter that was sent, and the delivery confirmation. As of today, XX/XX/year>, I have not received any correspondence from Equifax regarding this dispute. The allotted 30 day timeframe for Equifax to respond to my dispute has lapsed ; therefore, per the FCRA, this item must be deleted from my credit report. I am aware that the Consumer Financial Protection Bureau has recently ordered Equifax to pay {$15.00} XXXX for improper investigations of credit reporting errors due to their negligence in accurately investigating disputes. Unfortunately, I am a victim of this and it has severely impacted my credit rating and my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: NY

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
Through a string of text message communications with an acquaintance of mine, I conducted a few business transactions. My acquaintance in the first transaction was to winterize a boat for me in return for {$850.00} ; the second transaction was to winterize and ATV for {$250.00}. 

On XX/XX/year>, I used XXXX  to send the {$850.00} from my bank account. 

On XX/XX/year>, I used XXXX  to send the {$250.00} from my bank account. 

Since nothing had been done on the boat, I thought I better check in with my acquaintance. It turns out that someone else ( unknown to me ) was in my text string and fraudulently posed as my acquaintance and committed to winterizing the boat and ATV. They had no intention of ding either but took my money. I reported this to XXXX  using their APP, I went through the steps and filed the dispute on the day that the {$250.00} was to be released. XXXX, not providing any way out of their automated process, indicated that they could do nothing until the money was paid out. I continued to follow up with XXXX, eventually informing them that the app was not allowing me to attach information they requested ( which was really nothing more than I had already provided to them ). They agreed to follow up with me via email instead of the App. I went through this process three times and each time they could not help me. They never requested the proof that I had that this fraudulent perpetrator had committed to. I am a senior citizen on a fixed income, and I need help, XXXX  did not protect me and refused to take this fraud seriously Plese help! 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: NY

Complaint narrative:
I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : XXXX XXXX, Account Number : XXXX Please Explain how youre reporting a Balance and past due amount on a closed/Charge-Off account. THIS Violates the statue of limitations Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( XXXX XXXX CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately corrected or deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section XXXX ( a ) ( XXXX ), and I am keeping CAREFUL record of your actions. Failure to respond satisfactorily within 30 days of RECEIPT of this letter will result in a small claims action against your company. I will be seeking damages for : XXXX. ) Defamation XXXX. ) Violation Of The Fair Credit Reporting Act P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via the XXXX XXXX XXXX 

* Please remove all non-account holding inquiries over 30 days old. 

Thank you for your cooperation in 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 2025-02-04 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: NY

Complaint narrative:
I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : XXXX XXXX, Account Number : XXXX Please Explain how youre reporting a Balance and past due amount on a closed/Charge-Off account. THIS Violates the statue of limitations Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( XXXX XXXX CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately corrected or deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section XXXX ( a ) ( XXXX ), and I am keeping CAREFUL record of your actions. Failure to respond satisfactorily within 30 days of RECEIPT of this letter will result in a small claims action against your company. I will be seeking damages for : XXXX. ) Defamation XXXX. ) Violation Of The Fair Credit Reporting Act P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via the XXXX XXXX XXXX 

* Please remove all non-account holding inquiries over 30 days old. 

Thank you for your cooperation in this matter,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: AR

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
A month prior, I lodged a complaint with these Bureaus ; however, the erroneous information on my report remains unchanged. I have not received any communication from them, apart from your notice indicating that the company has responded to my complaint. How can I be assured that they have thoroughly examined the inaccuracies? What measures were implemented to validate the accounts? This entire situation is exceedingly frustrating, particularly given that more than 30 days have elapsed since I submitted my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: NY

Complaint narrative:
A month prior, I lodged a complaint with these Bureaus ; however, the erroneous information on my report remains unchanged. I have not received any communication from them, apart from your notice indicating that the company has responded to my complaint. How can I be assured that they have thoroughly examined the inaccuracies? What measures were implemented to validate the accounts? This entire situation is exceedingly frustrating, particularly given that more than 30 days have elapsed since I submitted my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This debt is already paid and why still in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/year> -- {$XXXX}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: OH

Complaint narrative:
15 usc 1681 and 1682 the company is not using the law and will like this to be removed off credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: CO

Complaint narrative:
Commencing on or about XXXX XX/XX/year>, I fell victim to a multi-layered scam operation run by XXXX XXXX which involved me making deposits for a total amount of XXXX XXXX  from my XXXX  account to fraudulent investment firm ( s ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: MO

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

Company response to consumer: Closed with explanation