vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My information was compromised in a data breach and I now have inaccurate information being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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 respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: PA

Complaint narrative:
This agency is reporting inaccurate, incomplete, and unverifiable information on my credit report and I demand that they delete those items immediately as it violates the FCRA. This complaint is to also serve as a notice that I sent a dispute that way later they can not claim ignorance.

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 2025-01-02 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: FL

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX BANK Reported : XXXX XXXX, 2024 {$170.00} Closed-charge off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: WI

Complaint narrative:
TransUnion has failed to ensure accurate reporting of my payment history for several accounts, including but not limited to : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Issues with Inaccurate XXXX XXXX XXXX XXXX : My credit report contains inaccurate entries for payment histories across these accounts, including repeated monthly reporting of charge-offs as new events. For example, the payment history for XXXX or more accounts reflects entries like " XXXX XXXX as of XX/XX/year>, XX/XX/year>, XX/XX/year>, '' which is improper. Failure to XXXX XXXX : Under 15 U.S.C. 1681e ( b ) of the FCRA, credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. Repeatedly listing charge-offs as new events each month violates this obligation and has caused significant harm to my XXXX XXXX. Violation of XXXX Statutes : According to 15 U.S.C. 1681c ( a ) ( 4 ), a charge-off can only be reported for XXXX years from the date of the first delinquency leading to the charge-off. Transunions repeated reporting of charge-offs as new events does not reset this statute of limitations and is misleading. Unjustified Account Closures : TransUnions report inaccurately reflects unjustified account closures from XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXXXXXX, despite my efforts to maintain a perfect payment history. These closures, without prior notice or valid justification, have unfairly damaged my credit profile. Violations of the Wisconsin Consumer Act ( Wis. Stat. 427.104 ) Experians reporting practices also violate the WCA by failing to provide fair dealing and reasonable communication. Specifically : Failure to Provide Adequate Notice : Inaccurate reporting of account closures and repeated charge-offs deprived me of the opportunity to address or dispute these issues. Unjustified Harm : These actions have caused significant and undue harm to my credit-building efforts and financial reputation.

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hard pull on TransUnion XXXX XXXX XXXX Location : XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX XXXX XXXX Requested on : XX/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 2025-01-02 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: LA

Complaint narrative:
I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year>XXXX  Balance : {$14000.00} *** KINDLY DELETE AND BLOCK ALL NONACCOUNTHOLDINGINQUIRIES ASI DID NOT AUTHORIZE THEM ***

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 2025-01-02 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: TX

Complaint narrative:
I am writing to bring to your attention several inaccuracies on my credit report. There are accounts listed that do not belong to me, and I have never opened or authorized them. This situation is not only unfair but also deeply concerning, as it falsely damages my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My concern is that Wells Fargo claimed that my credit card 0 % interest introductory period expired and charged me interest of {$410.00}, and Wells Fargo refused to provide first time courtesy to waive my interest charge. I would like to request a full refund of the {$410.00} interest because of a few reasons. 
XXXX. I suspected it was a scam advertisement/promotion. I clearly remembered that I applied for credit card in XX/XX/XXXX and the introductory period of credit card that I saw on the Wells Fargo website was 18 months which means the expiry date should be in XXXX but it was changed to 12 months and I have no idea about that and I don't know why. 
XXXX. It's Wells Fargo 's responsibility to remind its customers of incoming expiry date of credit card introductory period but they did not. I never received any email or notice from Wells Fargo telling me that the expiry date was approaching or passed. I would never know of the interest charge if I had not looked at the transactions. The Wells Fargo representative told me that all bank statements showed the expiry date and they were not obligated to remind customers of the information but they were. Moreover, I read the bank statement carefully and it took me more than XXXX minutes to find less than XXXX letters showing the expiry date in the multi-page statement. I don't think customers would read through the entire bank statement letter by letter each month. 
XXXX. I paid the minimum payment on time every month and I did not intentionally delay the payment. The expiry date was XX/XX/XXXX, the interest charge was charged on XX/XX/XXXX, I saw the interest charge, contacted the customer service and paid balance in full immediately on XX/XX/XXXX. It is fair and reasonable to offer a first time courtesy to waive the interest charge for a customer. 

Therefore, I requested a full refund of the interest of {$410.00} from Wells Fargo

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 monetary relief
Consumer complaint received 2025-01-02 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:
According to Section 605B of the Fair Credit Reporting Act ( FCRA ) gives consumers the right to request that credit reporting agencies ( CRAs ) block the reporting of information on their credit report that was result of identity theft. Because my information was disclose in the Data Breach and the Dark Web, I have several FRAUDULENT ACCOUNTS that should be blocked and removed. 
XXXX. ) XXXX XXXX XXXX XXXX  # XXXX XXXX. ) XXXX XXXX XXXX # XXXX XXXX. ) XXXX XXXX XXXX # XXXX. 
These Accounts are dur to the Data Breach, therefore they should be removed immediately from my consumer report. 
15 U.S.C 1681... PROMOTES THE ACCURACY, FAIRNESS, AND PRIVACY OF PERSONAL INFORMATION...

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 2025-01-02 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: MI

Complaint narrative:
XXXX writing to formally request the removal of illegal medical information included in my consumer report, as it violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c ( a ) ( 6 ) Health Insurance Portability and Accountability Act 42 usc 1320d ( 5 ) ) 6 ). The presence of such information not only breaches my privacy but XXXX also result in unfair treatment. 
Upon reviewing my consumer report, I noticed that the following medical information has been included : * XXXX XXXX XXXX * XXXX XXXX  * XXXX XXXX XXXX XXXX Under the FCRA and related laws, consumer reporting agencies are prohibited from including specific types of medical information unless explicitly permitted under certain circumstances. i dontnot consent to the sharing of this information.

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 2025-01-02 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: MI

Complaint narrative:
XXXX writing to formally request the removal of illegal medical information included in my consumer report, as it violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c ( a ) ( 6 ) Health Insurance Portability and Accountability Act 42 usc 1320d ( 5 ) ) 6 ). The presence of such information not only breaches my privacy but XXXX also result in unfair treatment. 
Upon reviewing my consumer report, I noticed that the following medical information has been included : * XXXX XXXX XXXX * XXXX XXXX * XXXX XXXX XXXX XXXX Under the FCRA and related laws, consumer reporting agencies are prohibited from including specific types of medical information unless explicitly permitted under certain circumstances. i dontnot consent to the sharing of this information.

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 2025-01-02 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: FL

Complaint narrative:
I have not received any response from the Bureaus even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. But unfortunaetly it has been over 30 days and no accounts was updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: FL

Complaint narrative:
I have not received any response from the Bureaus even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. But unfortunaetly it has been over 30 days and no accounts was updated.

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

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 2025-01-02 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: FL

Complaint narrative:
A charge-off is defined by the IRS and XXXX finance laws as a canceled debt. Specifically, the IRS mandates that creditors issue a Form XXXX for any canceled debt exceeding {$600.00}, as such debts are considered taxable income to the borrower. To date, I have not received a Form XXXX related to this account, which raises serious concerns about whether the charge-off was properly processed and reported. 

Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act ( FCRA ), creditors are prohibited from furnishing information to consumer reporting agencies if they know or should know it is inaccurate. A charge-off, by definition, signifies the creditor has canceled the debt and is no longer attempting to collect it. Once a debt is charged off, it is considered canceled and can not legally be pursued for collection or simultaneously reported as an open or collectible account.

Furthermore, under 15 U.S.C. 6802, transaction and experience information, such as payments, charges, and related account activities, are considered private and should not be disclosed or reported to third parties without explicit consent from the consumer. Reporting such information without my consent violates my right to privacy. 

In this case, it appears Wells Fargo XXXX have : Filed a charge-off, potentially received financial compensation ( via insurance or tax relief ), and yet continued to report or collect on the account in violation of federal law. 
Reported transaction and experience information to consumer reporting agencies without my explicit consent, further violating my consumer rights. 
These actions are not only misleading but XXXX constitute deceptive financial practices under federal law. If Wells Fargo has received compensation for the charged-off accountwhether through insurance, tax benefits, or other meansany continued reporting or collection is unjustifiable and unlawful.

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed and contacted XXXX XXXX XXXX, they continue to report account in collections, after closed and paid since XXXX. This original collection account was caused by XXXX disaster and I was unable to resolve or pay account at that time. Why in reply states that after refunded credit owed to myself account continued in collections and stopped reporting, but how can they report in collections if I did not owe or have any debit to XXXX XXXX. They garnished my wages and paid in full. My account currently still in collections and frustrating and difficult to get this account updated and corrected. This is their reply without resolution : Hello XXXX XXXX XXXX, Thank you for contacting XXXX XXXX XXXX. 

In response to your email and XXXX request, your account status is collections because your account charged off to collections in XX/XX/XXXX. Because of your account status your payment history if reported as collections. Which means your account is closed for use. This automatically put negativity on your credit report. 

After reviewing you were advised that statements stopped generating when credit balance was refunded XX/XX/XXXX. 

If you have any further questions, please email XXXX or XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX. 

Thank you for your service and have a wonderful day. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX our online store! 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 2025-01-02 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:
I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I XXXX have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the Equifax, XXXX, and XXXX data breach, which adds to my worries about the safety of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Regarding Costco Citicard account for XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I would like to file a formal complaint for the reasons mentioned below ; # I have way too many fraud incidents with Costco Citicard -- -its unacceptable. I have never had an experience like this with another credit card company and I am XXXX XXXX XXXX. Is Citi compromised, incompetent or both? I have had to cancel my card so many times due to fraud. 
XXXX Citicard verification process, why does it take so long to verify my account when I call in? Almost XXXX minutes every time? 
XXXX Why is Citicard still taking transactions on a Citicard that was canceled by Citicard due to fraud? This is insane. I was unaware until today that XXXX is still taking payments on a Citicard that was canceled by Citicarddue to fraud. I have XXXX confidence in Citicard. 
XXXX Unable to submit written complaint. XXXX said there is a feedback button to file written complaint. Had to use a different browser but entering a complaint at citicard Feedback Link doesnt even connect my complaint with my to my account that is having fraud problems. It is only 'feedback '. 
XXXX Automated phone system when calling Citcard customer service is terrible. Its just going around in circles for far too long to speak with a live agent. 
XXXX Can not read my Citicard Customer Service phone number on your Citicard because it is too small.

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I can not get credit-related services instantly because it says my profile is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I can not get credit-related services instantly because it says my profile is invalid.

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