vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-14 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: SC

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-02-14 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: PA

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: NY

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year>, I sent a wire from my XXXX XXXX XXXX account to an account at another bank in error instead of XXXX bank that I pay my mortgage to. On the XXXX of XXXX after XXXX bank called me to notify me that my mortgage wasn't paid, I got XXXX with XXXX XXXX XXXX when I realize that it was sent to another bank called XXXX XXXX in XXXX, under the XXXX XXXX XXXX. I reached out to a representative at XXXX XXXX who told me they are not seeing any money. XXXX XXXX XXXX tried to recall my money but without success as they are not willing to return the money. I have decided to write to you to see if I can retrieve my money from these dishonest people. I had to borrow money to pay my mortgage as XXXX XXXX XXXX told me that I had to wait 45 days before they can fully negotiate to get my money. They sent me a letter and they weren't successful. Please I need your help.

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 2025-02-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to file a formal dispute regarding three unrecognized credit inquiries on my credit report. Upon reviewing my credit report, I have noticed that there are three inquiries related to auto loan credit applications that I do not recognize or authorize. The details of the inquiries in question are as follows : Date of Inquiry : [ Inquiry Date ] XX/XX/2025 Entity that made the inquiry : XXXX XXXX XXXX Date of Inquiry : XX/XX/2025 Entity that made the inquiry : XXXX XXXX Date of Inquiry : XX/XX/2025 Entity that made the inquiry : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/2025 Entity that made the inquiry : XXXX  These inquiries appear on my credit report without my consent, and I would like to request a full investigation to have this information removed from my report. Additionally, I kindly request that you provide me with any further information that explains how these inquiries were recorded on my report. Attached to this letter, you will find a copy of my credit report showing the unrecognized inquiries, as well as a copy of my identification and any additional documents required, if applicable. I appreciate your attention to this matter and am available to provide any further information you may need. I request that you keep me informed about the progress of the investigation and the next steps.

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 2025-02-14 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: FL

Complaint narrative:
I am writing to file a formal dispute regarding three unrecognized credit inquiries on my credit report. Upon reviewing my credit report, I have noticed that there are three inquiries related to auto loan credit applications that I do not recognize or authorize. The details of the inquiries in question are as follows : Date of Inquiry : [ Inquiry Date ] XX/XX/year> Entity that made the inquiry : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Entity that made the inquiry : XXXX XXXX Date of Inquiry : XX/XX/year> Entity that made the inquiry : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/year> Entity that made the inquiry : XXXX  These inquiries appear on my credit report without my consent, and I would like to request a full investigation to have this information removed from my report. Additionally, I kindly request that you provide me with any further information that explains how these inquiries were recorded on my report. Attached to this letter, you will find a copy of my credit report showing the unrecognized inquiries, as well as a copy of my identification and any additional documents required, if applicable. I appreciate your attention to this matter and am available to provide any further information you may need. I request that you keep me informed about the progress of the investigation and the next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to file a formal dispute regarding three unrecognized credit inquiries on my credit report. Upon reviewing my credit report, I have noticed that there are three inquiries related to auto loan credit applications that I do not recognize or authorize. The details of the inquiries in question are as follows : Date of Inquiry : [ Inquiry Date ] XX/XX/2025 Entity that made the inquiry : XXXX XXXX XXXX  Date of Inquiry : XX/XX/2025 Entity that made the inquiry XXXX XXXX XXXX  Date of Inquiry : XX/XX/2025 Entity that made the inquiry : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/2025 Entity that made the inquiry : XXXX  These inquiries appear on my credit report without my consent, and I would like to request a full investigation to have this information removed from my report. Additionally, I kindly request that you provide me with any further information that explains how these inquiries were recorded on my report. Attached to this letter, you will find a copy of my credit report showing the unrecognized inquiries, as well as a copy of my identification and any additional documents required, if applicable. I appreciate your attention to this matter and am available to provide any further information you may need. I request that you keep me informed about the progress of the investigation and the next steps.

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 2025-02-14 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: OR

Complaint narrative:
My information was exposed in a data breach. This violates FCRA Law : 15 U.S.C. 1681-1681x.

I am now being contacted by numerous credit organizations about accounts that do not belong to me. These accounts are now showing up on my credit report creating negative data and affecting 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 2025-02-14 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: NY

Complaint narrative:
I recently received a copy of my 3 bureaus consumer report and I noticed some inaccurate information posted on my consumer report : XXXXXXXX XXXX XXXX Balance : {$17000.00} XXXX XX/XX/year> XXXX XX/XX/year> 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 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 explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX On XX/XX/year>, between XXXX XXXX  and XXXX XXXX, I attempted to make a deposit at the Citibank ATM on XXXX XXXX in XXXX. Since I do not understand English, I followed the icons displayed on the ATM screen. After inserting my bank card and entering my PIN, I proceeded with the deposit. However, due to my lack of English proficiency, I mistakenly pressed the " Check '' button. A slot opened below the ATM, and I placed XXXX {$100.00} bills, totaling {$500.00}, into the slot. The slot quickly closed, and shortly after, the ATM screen prompted me to remove my bank card. 

At that moment, I realized that I had made an error, but my cash had already been taken by the ATM. I repeatedly inserted my card, attempting to reopen the slot, but I could not retrieve my money. I immediately contacted my family for assistance, and they called the banks customer service. The representative assured us that the issue would be addressed promptly. Initially, I trusted that the bank would recover my {$500.00} and return it to me. However, several months have passed, and I have yet to receive any resolution. 

I now formally request that the bank review the surveillance footage of the ATM transactions on XX/XX/year>, between XXXX XXXX  and XXXX XXXX, at the Citibank ATM on XXXX XXXX in XXXX. Additionally, I ask that the bank thoroughly audit the records of all ATMs on that date to determine the whereabouts of my XXXX {$100.00} bills. Simply responding that there was no discrepancy in the account balance is not an acceptable answer. How is it possible to lose {$500.00} at a bank ATM? This level of service is unacceptable.

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 2025-02-14 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: NY

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : LEGAL DEMAND FOR IMMEDIATE COMPLIANCE WITH FCRA IDENTITY THEFT DISPUTE I am writing to formally demand the immediate deletion of the fraudulent XXXX XXXX XXXX XXXX account from my credit report. Despite submitting a valid FTC Identity Theft Report, TransUnion has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) by continuing to report this unauthorized account. 

Violations of Federal Law Your failure to act violates the following federal statutes : 15 U.S.C. 1681i Failure to Conduct a Reasonable Investigation TransUnion failed to properly reinvestigate my identity theft dispute and continues to report the fraudulent XXXX XXXX XXXX XXXX  account. 
15 U.S.C. 1681e ( b ) Failure to Ensure Maximum Possible Accuracy By maintaining and reporting inaccurate and fraudulent information, TransUnion has breached its duty to ensure the maximum possible accuracy of my credit report. 
15 U.S.C. 1681c-2 Failure to Block Identity Theft-Related Information Under the FCRA, TransUnion must block fraudulent accounts within four ( 4 ) business days upon receiving an FTC Identity Theft Report. The continued presence of this account violates this federal mandate. 
Fraudulent Account to be Deleted Immediately XXXX XXXX XXXX XXXX ( Fraudulent Account ) Legal Precedents Supporting XXXX XXXX XXXX XXXX Trans Union Corp. Establishes that credit bureaus must conduct a thorough investigation before verifying disputed information. 
XXXXXXXX XXXX XXXX  XXXX XXXX Reinforces that credit reporting agencies are liable for reporting inaccurate data. 
CFPB XXXX XXXX. XXXX Demonstrates that TransUnion has been penalized for similar FCRA violations in the past. 
My Formal Demand I hereby demand that TransUnion : Immediately and permanently delete the fraudulent XXXX XXXX XXXX XXXX account from my credit file. 
Provide written confirmation that this account has been removed and will not be reinserted. 
Cease reporting this fraudulent data to any third parties. 
Failure to comply within 15 days of receipt of this letter will result in escalation of legal action, including : Filing a formal complaint with the CFPB and FTC for noncompliance. 
Seeking statutory damages under 15 U.S.C. 1681n for willful violations ( {$1000.00} per violation ), plus punitive damages. 
Pursuing legal action in federal court for negligent noncompliance under 15 U.S.C. 1681o, including recovery of attorneys fees and costs. 
This is my final notice before escalating legal action. Please send all written confirmation of deletion to my mailing address above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : LEGAL DEMAND FOR IMMEDIATE COMPLIANCE WITH FCRA IDENTITY THEFT DISPUTE I am writing to formally demand the immediate deletion of the fraudulent XXXX XXXX XXXX XXXX account from my credit report. Despite submitting a valid FTC Identity Theft Report, TransUnion has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) by continuing to report this unauthorized account. 

Violations of Federal Law Your failure to act violates the following federal statutes : 15 U.S.C. 1681i Failure to Conduct a Reasonable Investigation TransUnion failed to properly reinvestigate my identity theft dispute and continues to report the fraudulent XXXX XXXX XXXX XXXX  account. 
15 U.S.C. 1681e ( b ) Failure to Ensure Maximum Possible Accuracy By maintaining and reporting inaccurate and fraudulent information, TransUnion has breached its duty to ensure the maximum possible accuracy of my credit report. 
15 U.S.C. 1681c-2 Failure to Block Identity Theft-Related Information Under the FCRA, TransUnion must block fraudulent accounts within four ( 4 ) business days upon receiving an FTC Identity Theft Report. The continued presence of this account violates this federal mandate. 
Fraudulent Account to be Deleted Immediately XXXX XXXX XXXX XXXX ( Fraudulent Account ) Legal Precedents Supporting XXXX XXXX XXXX XXXX Trans Union Corp. Establishes that credit bureaus must conduct a thorough investigation before verifying disputed information. 
XXXXXXXX XXXX XXXX  XXXX XXXX Reinforces that credit reporting agencies are liable for reporting inaccurate data. 
CFPB XXXX XXXX. XXXX Demonstrates that TransUnion has been penalized for similar FCRA violations in the past. 
My Formal Demand I hereby demand that TransUnion : Immediately and permanently delete the fraudulent XXXX XXXX XXXX XXXX account from my credit file. 
Provide written confirmation that this account has been removed and will not be reinserted. 
Cease reporting this fraudulent data to any third parties. 
Failure to comply within 15 days of receipt of this letter will result in escalation of legal action, including : Filing a formal complaint with the CFPB and FTC for noncompliance. 
Seeking statutory damages under 15 U.S.C. 1681n for willful violations ( {$1000.00} per violation ), plus punitive damages. 
Pursuing legal action in federal court for negligent noncompliance under 15 U.S.C. 1681o, including recovery of attorneys fees and costs. 
This is my final notice before escalating legal action. Please send all written confirmation of deletion to my mailing address above. 

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 2025-02-14 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I have submitted the required documents, including a letter from an advocacy group assisting me as a victim of human trafficking through debt bondage. This situation qualifies as trafficking under the XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX and XXXX ( b ) ( XXXX ). 

I respectfully request that you block this information from my credit report within four business days, as mandated by Section 605C of the Fair Credit Reporting Act. As a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I urge the immediate removal of all related items and the deletion of any associated company information from TransUnion. 

Please proceed with removing the following items : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX 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 explanation
Consumer complaint received 2025-02-14 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: IL

Complaint narrative:
I cancelled XXXX they didnt cancel it then they reported it late and after fighting with them I gave up and paid it off in XXXX of 2024 I challenged it and stated that. 
then they came back and said it was correct however other items not related to my dispute changed so I looked to see what changed and they then reported it as in collections in XXXX and XXXX of 2024. I am sick of dealing with experian from my experience they dont investigate and report XXXX that doesnt even make sense. 

Now it is hurting my credit stating its a new derogatory remark on my credit. 
I have had nothing but terrible experience with them from 15 minute investigations on a Saturday to fraudulent reporting that on the face is wrong

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