vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 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: PA

Complaint narrative:
These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B permissible purposes of Consumer Reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency my WRITTEN CONSENT & INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of these accounts listed IMMEDIATELY : XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-17 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: TN

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: ME

Complaint narrative:
I have an American Express XXXX XXXX charge card with a credit limit of {$7400.00}, which was set after a financial review. However, despite having an approved limit, I am unable to use my full available credit, and my spending power remains at {$0.00} well before reaching the limit. 

I contacted American Express customer service, and they confirmed that there are no holds or restrictions on my account. Despite this, my card continues to decline for purchases, preventing me from using it as intended. I have made multiple attempts to resolve this issue with AMEX, but I have not received a clear explanation or resolution. 

American Express actions misrepresent my available credit and mislead me about my ability to use the card, which significantly disrupts my business and financial planning. If I have been given a {$7400.00} limit, I should be able to access that amount without arbitrary restrictions. 

I believe AMEX is engaging in unfair and deceptive financial practices, restricting my spending despite setting an approved limit, which is a breach of transparency and fair lending practices. 

I am requesting CFPB intervention to ensure AMEX restores my full spending power as agreed upon in my financial review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I am writing to formally dispute a balance transfer charge that has been incorrectly applied to my Barclays account. I initiated a balance transfer from my Barclays account to my XXXX XXXX, only to later discover that XXXX XXXX does not accept balance transfers. Despite this, Barclays has processed the transaction as a balance transfer and has imposed related fees and charges on my account. 

I have contacted Barclays multiple times and provided extensive documentation proving that no actual balance transfer occurred. However, I have yet to receive any resolution or assistance in rectifying this matter. Given that the intended recipient does not accept balance transfers, the transaction should not have been processed as such, and I should not be held responsible for any associated fees.

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 2025-02-17 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: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2025-02-17 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: MD

Complaint narrative:
For multiple times of saying this, Ive had my identity stolen and need your assistance to quickly eliminate these fraudulent entries. Please delete this particular item at your earliest convenience and make sure to update all other inaccurate information without delay.

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 2025-02-17 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: NC

Complaint narrative:
I recently looked at my credit report XX/XX/XXXX. I saw hard inquires that did not have permissible purpose. 

XXXX. ( XXXX XXXX XX/XX/XXXX ) This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 UCS 168 1b 2. ( XXXX XXXX XXXX XXXX ) This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 UCS 168 1b 3. ( Trom/Milestone XX/XX/XXXX ) This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 UCS 168 1b

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 2025-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Deposited a check received from my daughters boyfriend s mother she shared residence with during the process the mother past away my daughter waited for the check to clear and when it did clear chase froze account withdrawals the funds and claims fraud XXXX. The amount of the check the bank extracted from the account to pay account I owed on then withdrew the balance claimed fraud the check had been cleared paid to my account not fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: PA

Complaint narrative:
In XX/XX/year> the following request was made. 

I am writing to request validation of the debt referenced above as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This is not a refusal to pay but a request for you to provide the information necessary for me to verify the legitimacy of this alleged debt.

Please provide the following : 1. Proof of ownership of the debt, including the original creditors name, and address.

2. A copy of the original signed contract or agreement showing my liability.

3. An itemized statement of the debt, including the amount owed, interest, fees, and how it was calculated.

4. Copies of all correspondence sent to me regarding this debt.

5. Evidence that you are legally authorized to collect this debt in my state. 
Additionally, I have noticed discrepancies in the personal information associated with this account. I ask that you verify the accuracy of all information reported to the credit bureaus and provide documentation to support it. 
While this account is under review, please cease all collection activities, including reporting to the credit bureaus, until this matter is resolved. 
I look forward to receiving the requested documentation within 30 days. If you are unable to provide this information, I respectfully request that you remove the debt from my credit report and cease further contact regarding this matter. 
Thank you for your prompt attention to this matter. I am willing to cooperate once validation of the debt has been provided. You may contact me in writing at the address listed above.

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 2025-02-17 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: GA

Complaint narrative:
I recently went through my report and found some inquiries from various creditors that I did not approve. This raises concerns for me, as they could be related to identity theft or fraud. I would appreciate it if you could look into these inquiries and remove them from my credit report if they can't be confirmed as authorized. I've included my letter to the Bureaus, yet these inquiries still appeared on my current 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 2025-02-17 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: OH

Complaint narrative:
XXXX XXXX XXXX {$160.00} Account number : XXXX the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to 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 2025-02-17 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:
Complaint Regarding Negligence in Compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681o ) ** To Whom It May Concern, I am submitting this complaint to formally report a violation of the Fair Credit Reporting Act ( FCRA ) under **15 U.S.C. 1681o**, which holds entities liable for negligent non-compliance with the law. I have attempted to resolve this matter directly with the responsible party but have not received a satisfactory resolution. 

Despite my efforts to dispute the inaccurate information and request an appropriate investigation, the entity has failed to comply with the FCRAs requirements. Their negligence in correcting or removing the erroneous data has resulted in harm, including but not limited to : - **Denied credit opportunities** - **Financial and reputational damage** - **Unnecessary stress and inconvenience** Under the FCRA, the responsible party must conduct a reasonable investigation and ensure that the reported information is accurate. Their failure to do so constitutes negligence under **15 U.S.C. 1681o**, making them liable for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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:
Complaint Regarding Negligence in Compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681o ) ** To Whom It May Concern, I am submitting this complaint to formally report a violation of the Fair Credit Reporting Act ( FCRA ) under **15 U.S.C. 1681o**, which holds entities liable for negligent non-compliance with the law. I have attempted to resolve this matter directly with the responsible party but have not received a satisfactory resolution. 

Despite my efforts to dispute the inaccurate information and request an appropriate investigation, the entity has failed to comply with the FCRAs requirements. Their negligence in correcting or removing the erroneous data has resulted in harm, including but not limited to : - **Denied credit opportunities** - **Financial and reputational damage** - **Unnecessary stress and inconvenience** Under the FCRA, the responsible party must conduct a reasonable investigation and ensure that the reported information is accurate. Their failure to do so constitutes negligence under **15 U.S.C. 1681o**, making them liable for damages.

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 2025-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I've received a letter in the mail stating that I have a checking account open now

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 2025-02-17 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 field a dispute with Equifax, Experian and Transunion to remove the bankruptcy from my report, dealing with inaccurate information that can not be verified through document. They haven't shown any documents of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: PA

Complaint narrative:
I field a dispute with Equifax, Experian and Transunion to remove the bankruptcy from my report, dealing with inaccurate information that can not be verified through document. They haven't shown any documents of verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally demand that you cease and desist all communication regarding the account referenced below and request its immediate removal from my credit report, as I have no knowledge of this account and did not authorize it. 
Account Information : Creditor Name : Capital One Account Number : XXXX Balance : {$550.00} Date Opened : XX/XX/year> I did not open this account, nor did I authorize any transactions associated with it. This account is fraudulent or has been reported in error, and I request that it be removed from my credit report immediately. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( c ), I also request that you stop all further contact with me regarding this matter. Additionally, under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I am requesting that this inaccurate information be deleted from my credit report. I expect this account to be removed from all three credit bureaus ( XXXX, XXXX, and XXXX ) immediately. If this matter is not resolved, I will take legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possibly pursuing litigation. 
You are legally required to comply with this request. I expect a written confirmation within 30 days that this account has been deleted from my credit report and that all collection activity has ceased.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
The Family Educational Rights and Privacy Act ( FERPA ), also known as the XXXX XXXX, is a US federal law that protects the privacy of student education records. It was enacted in 1974 and has been amended seven times since. FERPA grants parents and students certain rights regarding education records, including the right to review and confirm their accuracy. My information was compromise by a third-party. Did I not agree to nor have my permission for information that do not contain

Company response to consumer: Untimely response