vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXXXXXX 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 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 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 2025-02-13 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 submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. 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, not later than XXXX business days after the date of receipt by such agency.

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 2025-02-13 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
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 XXXXXXXX

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 2025-02-13 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
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 XXXXXXXX

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 2025-02-13 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 submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : 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 2025-02-13 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 non-monetary relief
Consumer complaint received 2025-02-13 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: SC

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. 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, not later than XXXX business days after the date of receipt by such agency.

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 2025-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: IL

Complaint narrative:
Hereon this day of XX/XX/XXXX, this a legal notification Statement of Claim no.1 thats notifying you as an official for an XXXX, as well as XXXX XXXX XXXX account XXXX ; credit card had legally expired, after the Expiration date of XX/XX/XXXX ; of that particular credit card, as an XXXX XXXX, account XXXX XXXX I was never service herewith a new credit card, in accordance with an agreement policy ; and procedure as in fact a consumer must have by law, a new credit card before, the expiration date, that never transpired in fact, and as a result ; my account XXXX, I can not access my account XXXX ; as a result Im presently being in fact detained by such of a delay, of such an act, due to the account XXXX, being in fact unreasonably closed in addition without any legal notice for such a certain hearing that such act had took place. I had called an XXXX XXXX XXXX account XXXX in regard to the closure of such an account their officials had pleaded that they would service, by delivery, a new credit card as an XXXX XXXX, account XXXX XXXX XXXX cause or matter never transpired or happened, after a phone called made on XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX, in conjunction, hereto this legal notice. In accordance, to an XXXX XXXX. a Credit report company, my XXXX XXXX XXXX account XXXX was closed ; without any legal notice for a hearing therefrom it has caused, me a certain hardship unreasonably by an adversity to a loss of certain money, as well other financial damages, due to my property being in fact unreasonably detained. ; Therefrom you as an official, for an XXXX XXXX XXXX account XXXX, must hereby confirm hereto this legal notice, as a legal cause or matter as being in fact True or False, all within a 72 hrs., hereafter service hereof this legal notice, by a delivery. Thereafter, 72 hrs. any pleadings ; service by delivery ; from you as an official party ; hereto this legal notice, then you will hereby deem as being a refusal in fact, and all of your pleadings will hereby deem denied by determination, and unacceptable pleadings, and you also as an official for an XXXX XXXX XXXX account XXXX ; will hereby deem, as being in fact ; a certain person who has refused to hereby respond hereto this legal notice officially, as an official for the aforesaid, business entities, hereto this legal notice. In addition, you must also service your legal confirmation ; as in fact a pleading under a certain Oath as well as a Testimony, as being in fact a response hereto myself email address, XXXX ;

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-13 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: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX 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. 

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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 kindly request the deletion of this account from my credit record, as it does not pertain to me. Please conduct an investigation to address any other potential issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done.

These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer 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 2025-02-13 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:
I am writing to formally dispute the accounts and inquiries listed on my consumer credit report, as referenced below. These entries result from a data breach or fraud, and I demand verifiable proof bearing my signature or electronic signature. 

This letter is submitted personally, not through a third party, so I request your careful review. I never authorized these actions, and their presence on my credit report constitutes a violation of my consumer rights under : Fair Credit Reporting Act ( FCRA ) 605B Blocking of information resulting from identity theft, fraud, or a data breach [ 15 U.S.C. 1681c-2 ]. 
FCRA 604 Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. 
Upon contacting the companies involved, I confirmed that these accounts and inquiries were initiated without proper validation or original proof. Because I never authorized them, they are inaccurate and must be removed. Their reporting is the result of a data breach or unauthorized disclosure by creditors or third-party data furnishers. 

Please take immediate action to investigate and correct these inaccuracies. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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:
I am writing to formally dispute the accounts and inquiries listed on my consumer credit report, as referenced below. These entries result from a data breach or fraud, and I demand verifiable proof bearing my signature or electronic signature. 

This letter is submitted personally, not through a third party, so I request your careful review. I never authorized these actions, and their presence on my credit report constitutes a violation of my consumer rights under : Fair Credit Reporting Act ( FCRA ) 605B Blocking of information resulting from identity theft, fraud, or a data breach [ 15 U.S.C. 1681c-2 ]. 
FCRA 604 Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. 
Upon contacting the companies involved, I confirmed that these accounts and inquiries were initiated without proper validation or original proof. Because I never authorized them, they are inaccurate and must be removed. Their reporting is the result of a data breach or unauthorized disclosure by creditors or third-party data furnishers. 

Please take immediate action to investigate and correct these inaccuracies. I appreciate your prompt attention to 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 explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UPGRADE, INC.
State: OH

Complaint narrative:
Upgrade Bank is issuing credit cards with a approximately {$2000.00} limit. Even after all payments are made on time with no issues they are decreasing the amount to force the customers to go over their credit limit. In my case, I had a lower credit score when I got these cards my limits with both of their cards are about {$2000.00}, they have reduced the credit limit to where now I am over the limit by {$1000.00}. This in turn is going to negatively affect my credit score because now I am over the limits, it is going to take me XXXX XXXX to XXXX XXXX to get under the limits and potentially they can charge me over the limit fees

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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 urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I received a credit card offer from Bank of America about XXXX XXXX XXXX XXXX XXXX credit card in the paper mail. I am attaching that offer to this complaint. As per the offer I was offered {$750.00} in statement credit for making {$5000.00} in purchases. To avail of this offer, I had to call a XXXX XXXX XXXXXXXX whose contact information was provided in the paper offer. I contacted that XXXX by phone and email ( email attached ) and told him that I was interested in using this offer. I also emailed him a copy of the paper offer that the bank sent me. Upon checking this offer with his supervisor and the bank, the XXXX XXXX XXXX told me that this offer was good and proceeded to take my application for this credit card. Being a XXXX XXXX member, I trusted the bank XXXX and applied for this card. Once I received the credit card, I met the qualifying criteria for this offer but I only received {$500.00} in statement credit as opposed to {$750.00} statement credit that was promised in the offer.

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 2025-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Bank of America ( " XXXX XXXX XXXX '' ) has my money and they will not allow me to transfer out of their XXXX checking account out because I do not have a debit card. I am, however, unable to order a debit card through their mobile app or online and have to call their below par customer service to do something very simple resulting in wasting my time.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the incorrect address listed on my credit report. The address in questionXXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXXis not, nor has it ever been, associated with me. I have previously submitted multiple requests, including XXXX separate submissions of the necessary documentation, to have this erroneous information removed from my credit file. 

For your reference, I have already provided : A copy of my valid government-issued ID A recent utility bill verifying my current address An FTC Identity Theft Report Additional supporting documents as needed Despite these submissions, this fraudulent address remains on my report, along with any potential accounts that may be falsely linked to it. I am requesting immediate action to : Remove the incorrect address ( XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX ) from my credit file. 
Investigate and delete any accounts linked to this address that are not legitimately mine. 
Send me written confirmation once the necessary corrections have been made. 
Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate disputed information and correct inaccuracies within 30 days. Failure to comply may result in legal action to enforce my rights under federal law. 

Please confirm receipt of this dispute and provide a written response once the matter has been resolved. You may contact me via mail at my current address or by phone/email as listed above. 

Thank you for your prompt attention to this matter. 

Sincerely,

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