vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, I just went through my consumer report and found some inquiries that I never authorized. It looks like the financial institutions listed below accessed my report without my permission, which isn't allowed under the Fair Credit Reporting Act ( FCRA ). According to 15 USC 1681, there are specific rules for when someone can pull my report, and this clearly doesn't meet those standards.

This also violates the FCRA, [ 15 U.S.C. 1681b ( a ) 3 ( f ) ( i ) ]. I also spoke with a representative from transition to help me dispute these items on XXXX XXXX XXXX I was told that my hard inquiries will be removed and I should hear back from someone within 5 business days and if I do not received communication on the further investigation to make sure I call back to check on the updated deleted disputed inquiries that should be completed by then. 

Unauthorized hard inquiries : 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 XXXXXXXX and on : XXXX According to 15 USC 1681b ( c ), consumer reporting agencies aren't allowed to share records of inquiries that aren't initiated by me, and this situation definitely falls under that. Also, the CRA makes it clear that anyone who pulls information on a consumer under false pretenses can face serious legal consequences, including fines or even imprisonment ( 15 U.S.C. 1681n ( a ) ). 

Also removal of other address on file : XXXX XXXX XXXX XXXX XXXX, CA XXXX Please take action and remove these inquiries from my report immediately. Thank you for your prompt attention to this matter. 

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: CO

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-03-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My personal information was leaked in a data breach. My information was leaked by XXXX different companies. As a result, derogatory accounts have been placed on my credit report along with unknown addresses and phone numbers. I have paid multiple companies over the last few months to help me, but nothing is changing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: GA

Complaint narrative:
XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX 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 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 XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXXXXXX XXXX XXXXXXXX - Incorrect Personal XXXX, XXXX, XXXXA - IncorrectPersonal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-31 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: AL

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-03-31 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: DE

Complaint narrative:
I have recently reviewed my credit report and identified several inaccuracies, as well as unauthorized accounts and information being reported. These discrepancies are not only factually incorrect but have also caused significant harm to my creditworthiness and overall financial health.

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 2025-03-31 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: DE

Complaint narrative:
I have recently reviewed my credit report and identified several inaccuracies, as well as unauthorized accounts and information being reported. These discrepancies are not only factually incorrect but have also caused significant harm to my creditworthiness and overall financial health.

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 2025-03-31 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: AL

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX of XXXX I made a claim for my credit card account as it was eventually closed over my credit limit XXXX. It racked up to XXXX and more in interest charges and fees. 

I went to MULTIPLE branches out in XXXX when I tried to start a new life after trying to move out of a toxic situation. Incompetence over and over again with wellsfargo. They pushed me through multiple departments. I couldnt restart a life, lived in my car for XXXX weeks and they ended up closing my debit and I had no way of paying and withdrawing bills from the debit account. Plus the debit racked up to XXXX. 

I will never bank with them again. They had called last week and I spoke to a wellsfargo person and he said oh we dont have a claim on your credit card account. I had spent multiple times in a branch and on the phone being pushed from dept to dept and NOTHING got done and or resolved. Hence incompetence. 

Please let me know next steps. I am NOT at fault at all in this. Its a shame as I have banked over XXXX  years and ALWAYS paid my bills on time. Now they screwed me in every area. They continue to say theyre sorry but they have no idea how tragic they have left my life. I need to fix this asap.

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 2025-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
Credit card was not authorized to be open. I am asking for proof that XXXX XXXX owns this debt.

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 2025-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
What happened : On XX/XX/year>, I sent a written request to the debt collection agency asking for verification of a debt they claim I owe. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) and requested that they provide detailed documentation proving that the debt is mine and that they have the legal authority to collect it. 

Specifically, I asked for : The name of the original creditor The original account number A full breakdown of the amount owed, including any interest or fees Documentation showing that I agreed to the debt ( e.g., a signed agreement or statement ) Proof that this agency is authorized to collect the debt As of XX/XX/year>, I have not received any of the requested documentation. Despite this, the company has continued collection efforts, which may be in violation of the FDCPA, as debt collection must stop until the debt is validated.

I am requesting that all collection activities cease immediately until proper validation is provided. I also ask that any negative reporting to credit bureaus be removed until the matter is resolved.

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 2025-03-31 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-31 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2025-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I am eligible for compensation because Wells Fargo foreclosed on my home and then sold it for {>= $1,000,000}. XXXX denied me my right to reorganize by blocking my application for chapter XXXX. Prior to this, they a modification by saying that my dti was too high. When I appealed the denial decision, which they said was my right to appeal, I showed them more income which brought my dti into acceptable range per the XXXX XXXX. They said I could appeal, but they said they didn't have to respond. They owe me {$400000.00} plus pain and suffering. I am entitled to part of the {$37.00} XXXX settlement from the fund that was set aside for people damanged by their illegal actions. 
The address of the property is XXXX XXXX XXXX, XXXX, PA XXXX. In addition to losing my house, my wife divorced me. I am now renting to the tune of {$36000.00} per year. During the pre-foreclosure process, I had the ability to bring the loan current. 
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 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
I am an active service member currently stationed in XXXX XXXX, LA. I tried requestion the Louisiana XXXX benefit through AMEX but was denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-31 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: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: MO

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ratchford Law Group, P.C.
State: PA

Complaint narrative:
I became a victim of identity theft and fraud shortly after entering my personal information, SS #, address, DL number, Business Banking routing and account number to begin working for XXXX as a " driver '' and renting a car thru XXXX XXXX - XXXX and XXXX in XX/XX/XXXX. XXXX XXXX depositing EARNINGs into my XXXX XXXX account every Monday in or about XXXX of XXXX, and I began first using my XXXX debit card for the weekly rental thru XXXX XXXX XX/XX/XXXX. I received my XXXX  card and presented this CREDIT card to be used INSTEAD of my DEBIT CARD to XXXX XXXX first XXXX XXXX XXXX XXXX be charge per the XXXX XXXX every Wednesday XXXX pm EST of {$320.00}. Somehow on XX/XX/XXXX, XXXX turned off my XXXX Driver capabilities due to NON-PAYMENT of the weekly rental and I presented another card on the XXXX, however XXXX XXXX allowed {$1300.00} in XX/XX/XXXX, and {$290.00} that was credited, but also disputed. After paying {$1000.00} on card in XX/XX/XXXX, they added the charges back with interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: TX

Complaint narrative:
To Whom It May Concern, This is a formal dispute of several hard inquiries appearing on my credit report that I do not recognize, did not authorize, or are now outdated beyond reasonable reporting value. Under FCRA 604 and 611, you are required to provide proper documentation of permissible purpose or remove unverifiable inquiries. 

Please investigate and delete the following hard inquiries from my file : Equifax : XXXX XXXX XXXX XX/XX/year> TransUnion : XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> Experian : No hard inquiries reported in the most recent record

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 2025-03-31 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: TX

Complaint narrative:
To Whom It May Concern, This is a formal dispute of several hard inquiries appearing on my credit report that I do not recognize, did not authorize, or are now outdated beyond reasonable reporting value. Under FCRA 604 and 611, you are required to provide proper documentation of permissible purpose or remove unverifiable inquiries. 

Please investigate and delete the following hard inquiries from my file : Equifax : XXXX XXXX XXXX XX/XX/year> TransUnion : XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> Experian : No hard inquiries reported in the most recent record

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