vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 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:
There was a XXXX  dispute letter sent to Transunion over XXXX  months ago on XX/XX/year> regarding XXXX unauthorized accounts. To date, Transunion has not responded to my request. I have included the FTC report, and the dispute letter which is dated and time stamped. I am requesting that the following accounts are deleted from my credit report within XXXX  days : XXXX  XXXX AUTO XXXX XXXX, XXXX BANK 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 2025-02-26 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration 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 explanation
Consumer complaint received 2025-02-26 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: DISCOVER BANK
State: CA

Complaint narrative:
Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Subject : Demand for Method of Verification and Compliance with FCRA & FACTA Identity Theft To Whom It May Concern, I am writing to formally demand that Discover Bank provide the method of verification used to verify the accuracy of the disputed account { XXXX } that has been fraudulently attributed to me. This account is the result of identity theft, and I have previously submitted a police report and an FTC Identity Theft Report to support my claim. Despite this, the account continues to be reported inaccurately, and the credit bureaus are verifying it as accurate. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 6 ), Discover Bank is legally required to conduct a reasonable investigation and must not furnish information that it knows or has reasonable cause to believe is inaccurate. Furthermore, under 15 U.S.C. 1681c-2, once a police report and identity theft report have been provided, the furnisher must block and permanently delete the fraudulent information from reporting.

I am demanding the following : 1. Method of Verification : Under 15 U.S.C. 1681i ( a ) ( 2 ), provide all documentation used to verify the disputed account, including but not limited to : The date, time, and method of communication with the credit bureaus.

The name of the individual ( s ) contacted.

The specific evidence used to verify the accounts legitimacy.

2. Immediate Deletion : In compliance with 15 U.S.C. 1681c-2, permanently block and remove the fraudulent account from all reporting.

3. Cease All Collection & Reporting : Under 15 U.S.C. 1681s-2 ( a ) ( 6 ) ( B ), you must cease furnishing any further inaccurate information to the credit bureaus.

Failure to comply with these legal obligations will leave me with no choice but to pursue legal action against Discover Bank for violations of the FCRA ( 15 U.S.C. 1681n & 1681o ), including statutory damages, attorneys fees, and punitive damages. 

This is my final notice before legal action. Please respond within 15 days from the date of this letter with the requested method of verification and confirmation of deletion. If you fail to comply, I will exercise my rights under federal law, including filing a lawsuit and reporting this matter to the Attorney Generals office. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Subject : Follow-Up Complaint Regarding Citibank Dispute Handling ( Reference Prior Case # XXXX ) Dear Consumer Financial Protection Bureau , I am submitting a follow-up complaint regarding Citibanks failure to conduct a fair and thorough investigation into my credit card dispute for a XXXX hotel charge of {$880.00} XXXX While Citibank has responded to my initial complaint, their investigation was incomplete and unfairly favored the merchant without properly considering all the facts. 
1. Citibanks investigation was one-sided and lacked due diligence. They blindly accepted XXXX standard non-refundable policy without considering my specific complaint, which involved a technical glitch that led me to book a hotel in the wrong state. They also failed to acknowledge the exceptional circumstances of my fathers passing, which directly affected my ability to use the reservation. 
2. Citibank placed the burden of proof solely on me, rather than investigating XXXX system. XXXX controls their own booking system, yet Citibank made no effort to review whether a technical error occurred. Instead, they shifted all responsibility onto me as the consumer, making it impossible for me to provide documentation that only XXXX would have access to. 
3. I am requesting Citibank provide the full dispute file, including all correspondence with XXXX. This is critical to understanding how they justified siding with the merchant, despite my evidence and extenuating circumstances. 

Given these failures, I respectfully request that the CFPB reopen this case and escalate it for further review. Citibank has a responsibility to conduct fair investigations and protect consumers in disputed transactions, and in this case, they have failed to do so. 

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 2025-02-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
IC systems XXXX XXXX XXXX XXXX XXXX, Mn XXXX, requested a number of times, to validate the Debt, in retaliation they keep dinging my credit.They never provided any proof my wife owed XXXX..They First tried collections on her husband XXXX stated no account is owed any money ......

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 2025-02-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX has not acted in good faith and in course with the FCRA. Over XXXX  days ago I have disputed with Experian It has been over XXXX  days. The other credit agencies have removed this fraud trade line. 

I will file a lawsuit this week if this is not removed. 
I am aware of the CFPB suing Experian for not properly investigating.

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 2025-02-26 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: CA

Complaint narrative:
XXXX XXXX and Equifax are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXXXXXX XXXX XXXXXXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has reasonable cause to believe that the data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXXXXXX XXXX XXXXXXXX are inaccurate and must be removed.

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 2025-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd

Complaint narrative:
I made a payment on the XXXX XXXX of {$2400.00} via Wise and it has not been received by the recipient. 

I have attempted numerous times to expedite the release of the funds to the recipient but wise were intentionally being difficult and closing my cases. They finally managed to trace the money to an intermediary bank and agreed to issue a recall, but this was already a month later. I still don't have the money back and I am at my wits end. This is too much money to be without for this long and I have had enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-02-26 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: IN

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 non-monetary relief
Consumer complaint received 2025-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-26 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: LA

Complaint narrative:
I am disputing a collection account reported by XXXX. XXXX XXXX. The account was reported with incorrect personal information and charged daily interest on a debt I do not owe. I contacted the credit bureaus to dispute this, but they did not conduct a full investigation. I requested supporting documentation from XXXX. XXXX XXXX, including the signed lease agreement, itemized charges, proof of carpet replacement, and more, but they have failed to provide any of these documents. Despite this, the account remains on my credit report, negatively affecting my score. The original creditor has not proven that the debt is valid, and XXXX. XXXX XXXX has not shown they have the legal right to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: PA

Complaint narrative:
Please remove and block the unauthorized accounts from my credit report as soon as possible. I did not open or approve these accounts and have no knowledge of their origins. In compliance with XXXX XXXX, I am formally requesting their removal within XXXX  days. Enclosed are the necessary documents for your review and reference.

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 2025-02-26 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: PA

Complaint narrative:
Please remove and block the unauthorized accounts from my credit report as soon as possible. I did not open or approve these accounts and have no knowledge of their origins. In compliance with XXXX XXXX, I am formally requesting their removal within XXXX  days. Enclosed are the necessary documents for your review and reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Final Demand for Deletion of Fraudulent Accounts Violation of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally demand the deletion of the following accounts from my credit file due to identity theft and your failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 6 ) and 1681i ( a ) ( 7 ), regarding my right to receive a description of the investigation and the method of verification : TransUnion : XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX Equifax : XXXX Account Number : XXXX Experian : XXXX Account Number : XXXX I previously submitted disputes regarding these fraudulent accounts and provided you with a valid police report as evidence of identity theft. Under 15 U.S.C. 1681c-2 ( a ), you are required to block the reporting of this information upon receipt of such documentation. Your failure to do so is a direct violation of my rights under the FCRA.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), you are required to provide me with a description of the procedure used to determine the accuracy of the disputed information, including the date, time, and contact details of the entity you allegedly verified this information with. To date, you have failed to provide this legally required information, rendering your verification process invalid. 

This letter serves as my final notice to demand that you immediately delete the above-referenced accounts from my credit reports. If you fail to comply within five ( 5 ) days of receipt of this letter, I will be left with no choice but to pursue legal action against you for willful noncompliance with the FCRA ( 15 U.S.C. 1681n ) and negligent noncompliance ( 15 U.S.C. 1681o ). I will seek statutory damages, actual damages, punitive damages, and attorneys fees.

This is your final opportunity to correct this matter before I escalate my complaint and initiate legal proceedings. 

Please provide written confirmation of the deletion of these accounts upon completion of my request. Failure to respond accordingly will be taken as further evidence of your noncompliance. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: LA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from 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 non-monetary relief