vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-19 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: OH

Complaint narrative:
I XXXX XXXX XXXX, am writing on my own as natural person and consumer who is a victim of identity theft. I am requesting the immediate removal of the following items from my consumer credit report in accordance with XXXX XXXX XXXX XXXX. This statute requires that any information identified by the consumer as resulting from identity theft must be blocked from the consumer 's credit report within XXXX business days of receipt of my request. It has been over 30 days since my initial request, and you are in violation of this law. 
This dispute is not being made in error, nor is it based on any misrepresentation of fact on my part. The information I am disputing is fraudulent, and the entities that reported these items DO NOT have lawful authority to do so. According to the law, these companies are required to have tax documents or other forms of written consent to charge off or report these items under my name. I did not provide such consent, and as such, these items are in violation of my privacy XXXX XXXX XXXX XXXX XXXX, consumer reporting agencies XXXX only furnish a consumer report in accordance with the written instructions of the consumer. I NEVER provided any written consent for any consumer reporting agency to report the information listed below on my behalf, and their failure to adhere to this law constitutes a clear violation of my rights as a federally protected consumer. 
Please delete the following items from my credit report immediately Addresses Collections XXXX Inquiries Employers These accounts should not appear on my consumer report, as they are the result of identity theft. Please ensure these fraudulent accounts are removed as required under the law. The companies reporting these items have failed to provide proof of my consent or authorization, which makes their actions unlawful. 
I respectfully demand that you take the necessary steps to delete these accounts from my credit report and send me written confirmation that these items have been removed. This request is made under the rights provided to me by the Fair Credit Reporting Act and related laws. 
Thank you for your immediate attention to this matter. I look forward to your timely response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: OH

Complaint narrative:
I XXXX XXXX XXXX, am writing on my own as natural person and consumer who is a victim of identity theft. I am requesting the immediate removal of the following items from my consumer credit report in accordance with XXXX XXXX XXXX XXXX. This statute requires that any information identified by the consumer as resulting from identity theft must be blocked from the consumer 's credit report within XXXX business days of receipt of my request. It has been over 30 days since my initial request, and you are in violation of this law. 
This dispute is not being made in error, nor is it based on any misrepresentation of fact on my part. The information I am disputing is fraudulent, and the entities that reported these items DO NOT have lawful authority to do so. According to the law, these companies are required to have tax documents or other forms of written consent to charge off or report these items under my name. I did not provide such consent, and as such, these items are in violation of my privacy XXXX XXXX XXXX XXXX XXXX, consumer reporting agencies XXXX only furnish a consumer report in accordance with the written instructions of the consumer. I NEVER provided any written consent for any consumer reporting agency to report the information listed below on my behalf, and their failure to adhere to this law constitutes a clear violation of my rights as a federally protected consumer. 
Please delete the following items from my credit report immediately Addresses Collections XXXX Inquiries Employers These accounts should not appear on my consumer report, as they are the result of identity theft. Please ensure these fraudulent accounts are removed as required under the law. The companies reporting these items have failed to provide proof of my consent or authorization, which makes their actions unlawful. 
I respectfully demand that you take the necessary steps to delete these accounts from my credit report and send me written confirmation that these items have been removed. This request is made under the rights provided to me by the Fair Credit Reporting Act and related laws. 
Thank you for your immediate attention to this matter. I look forward to your timely response.

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 2024-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX  as you can see in the attachments Conditionally Approved me for a {$50000.00} XXXX towards my mortgage. However Wells Fargo is vindictively denying this process by trying to get me to do another useless Loan Modification after already knowing the fact that my Step Father XXXX XXXX to whom had committed fraudulent mortgage activities will not agree to this due to more criminal activities being brought to light. Also XXXX XXXX is a XXXX XXXX XXXXo whom has yet to return any of my calls. And I had already explained to Wells Fargo that XXXX currently paying the rear of the Mortgage to the Trustee. In which will assist with the {$50000.00} XXXX over {$70000.00}. Another thing is that Wells Fargo plays these XXXX games with XXXX by thinking that were XXXX. Because so far they came at me with several different balances and on the Mortgage XXXX it says my balance is {$66000.00} Plus Dollars. Also these are lies about me telling them not to send me any correspondence. Hopefully some major changes will take place in 2025 with the new administration because these are most definitely XXXX XXXX  and fraudulent activities coming from 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 2024-12-19 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: IN

Complaint narrative:
I just recently looked at my credit report XXXX XXXX and XXXX saw some hard inquiries that did not have permission purpose XXXX also attached evidence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhose inquiries has no permissible purpose to be on my report.Delete those inquiries due to violation of 15 USC 1668B Im a victim of fraud I want to remove all inquiries on my credit reports

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I am disputing the charge- off balances reported by Navy Federal and XXXX XXXX on my credit report. These accounts were charged off on the following dates : Navy Federal - XX/XX/year> XXXX XXXX - XXXX have not been actively pursued for collection. Each creditor has failed to provide and issue a 1099-C - Cancellation of Debt Form indicating the debt has been forgiven and reported for tax purposes.

The absence of the 1099-C suggests that the balance is still being incorrectly reported as owed, despite the charge-off statuses. This is inaccurate and I am requesting that the creditors : ( 1 ) Provide Clarification regarding the status of the debt.

( 2 ) Issue a 1099-C if the debt has been forgiven, ( 3 ) Update my account on my credit report to reflect a {$0.00} balance if the debts are no longer owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I had service at XXXXXXXX XXXX XXXXXXXX in XX/XX/year>. The service was very expensive. There was a promo flyer on the counter to apply for a XXXX credit card with no interest financing for 6 months. I applied and was approved. I received my statement the XXXX month and paid {$100.00}. The next month I was charged a finance charge. I contacted them and they stated they " would investigate ''. I received my statement again this month and was charged another finance charge of {$26.00}. I immediately called them again and was not helped. I was told that this was still under investigation and to contact my bank. So frustrated I opted to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX I did not authorize this company to run my credit, This inquiry is unrecognizable and unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: TX

Complaint narrative:
Dear CFPB, I am filing a complaint against the 3 credit repair agencies for reporting fraudulent accounts and transactions on my credit report, which were made without my consent or authorization. These entries were not made with my permission, and I believe they are a direct result of identity theft. Despite my dispute and efforts to resolve the matter, the fraudulent information remains on my credit report, which is causing harm to my credit score.

This situation violates the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), which prohibits the reporting of information without the consumer 's consent, and 15 U.S.C. 1681c-2, which mandates the removal of fraudulent information resulting from identity theft. Additionally, this is a violation of the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ), which makes it a federal crime to use someone else 's personal information without their consent.

I demand that the fraudulent accounts and transactions be immediately deleted from my credit report. Failure to take action will result in further legal action and a formal complaint with the CFPB. 

I request that the CFPB : XXXX XXXX, XXXX XXXX and TransUnion for reporting fraudulent information without my consent and failing to address the issue. 
-Ensure that the unauthorized accounts and transactions are immediately removed from my credit report. 
-Enforce the relevant federal laws protecting consumers against identity theft and unauthorized use of personal information. 


Thank you for your prompt attention to this matter. 

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 non-monetary relief
Consumer complaint received 2024-12-19 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: TX

Complaint narrative:
Dear CFPB, I am filing a complaint against the XXXX credit repair agencies for reporting fraudulent accounts and transactions on my credit report, which were made without my consent or authorization. These entries were not made with my permission, and I believe they are a direct result of identity theft. Despite my dispute and efforts to resolve the matter, the fraudulent information remains on my credit report, which is causing harm to my credit score.

This situation violates the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), which prohibits the reporting of information without the consumer 's consent, and 15 U.S.C. 1681c-2, which mandates the removal
of fraudulent information resulting from identity theft. Additionally, this is a violation of the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ), which makes it a federal crime to use someone else 's personal information without their consent.

I demand that the fraudulent accounts and transactions be immediately deleted from my credit report. Failure to take action will result in further legal action and a formal complaint with the CFPB. 

I request that the CFPB : XXXX Experian, XXXX XXXX and XXXX for reporting fraudulent information without my consent and failing to address the issue. 
-Ensure that the unauthorized accounts and transactions are immediately removed from my credit report. 
-Enforce the relevant federal laws protecting consumers against identity theft and unauthorized use of personal information. 


Thank you for your prompt attention to this matter. 

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 2024-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX XXXX, I used my XXXX Capital one credit card to prepay in advance for a future XXXX XXXX XXXX in Arizona for a business trip, in the amount of {$1100.00}. Around XX/XX/XXXX, I paid Capital One the {$1100.00} amount in full, prior to the hotel stay. On XX/XX/XXXX, I arrived at the hotel and was denied access to my advanced prepaid XXXX reservation, until I paid an additional {$700.00}. I paid an additional {$700.00} using my XXXX Credit card. During my stay I experienced many challenges, the hotel did not provide certain advertised amenities. I tried to resolve my concerns at the hotel level but was unsuccessful. On XX/XX/XXXX, I filed a partial dispute with Capital One, in the amount of {$700.00}, for dispute codes XXXX misrepresentation, and XXXX services not as described. On XXXX XXXX Capital One XXXX a provisional credit in the amount of {$700.00}. However, the credit value was never applied to my current or future account balance., i.e. it was just for show, it had no real value, and I never benefitted from the ( illusional {$700.00} credit ). On XX/XX/XXXX, Capital One requested additional documents for my dispute, proof of services not as described, and the name of the person ( XXXX ) whom I spoke with at the hotel in an attempt to resolve my concerns. Around XXXX XX/XX/XXXX, I uploaded the requested documents to Capital One through a secured email sent by Capital One. Around XX/XX/XXXX, Capital One responded that they could not assist, because I did not send them the requested documents and the dispute was now closed. This was completely false. I sent them over XXXX pages of requested documents. When I asked Capital One to reconsider and review the documents submitted, they refused without justification. Around XX/XX/XXXX, I called Capital One and requested arbitration, because I disagreed with their findings, I was harassed, lied to and denied. On XX/XX/XXXX, I called Capital one again and spoke with a fraud and dispute XXXX named XXXX. I informed XXXX  that I wanted to arbitrate Capital One decision, Mercy, refused to assist me by first telling me that I could not arbitrate, then stating she did not know how to submit an arbitration claim on my behalf. I asked if there was another fraud and dispute XXXX that i could talk with, Mercy, stated no. I asked Mercy to file a complaint on my behalf and provide me with a complaint/ case number, Mercy XXXX me no she would not file a written complaint on my behalf. Capital One has defrauded me out of {$700.00}, failed to properly investigate mt=y dispute and denied me access to arbitration.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My XXXX XXXX has decreased by XXXX points due to data breach, causing false inquires, derogatory information and incorrect postings. My credit is good and I am never late. Something is wrong, due to the my data being used by others. Please restore my credit to satisfactory level.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Dear CFPB, I am filing a complaint against the XXXX credit repair reporting agencies due to inaccurate credit reporting. Despite my efforts to resolve the matter, they have not addressed my concerns, negatively affecting my credit score.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I have the right to accurate information in my credit report and a proper investigation of disputes. I also invoke the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) regarding unfair or abusive debt collection practices.

I request that the CFPB : Investigate this issue.

Ensure corrections are made to my credit report.

Enforce compliance with federal laws. 


Thank you for addressing this matter promptly. 

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 non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Dear CFPB, I am filing a complaint against the XXXX credit repair reporting agencies due to inaccurate credit reporting. Despite my efforts to resolve the matter, they have not addressed my concerns, negatively affecting my credit score.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I have the right to accurate information in my credit report and a proper investigation of disputes. I also invoke the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) regarding unfair or abusive debt collection practices.

I request that the CFPB : Investigate this issue. 
Ensure corrections are made to my credit report. 
Enforce compliance with federal laws. 


Thank you for addressing this matter promptly. 

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 2024-12-19 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: SC

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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