vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
WFBNA CARD Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$10.00}, XXXX written off. {$10.00}, XXXX past due as of XX/XX/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 2025-03-13 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: NC

Complaint narrative:
I filed a dispute due to accounts opened fraudulent.. they denied to follow up with the investigation, I was notified that CFPB has filed a lawsuit against the company they alleged the company of accepting unreliable information, failure to notify cosumer Dispute results, this aligns well with my situations, experian has not attempted to remove or correct any information, Im requested all derogatory marks and hard inquiries that I did not agree to to be removed or corrected immediately, it is affecting me XXXX XXXX XXXX XXXX XXXX ) of gettn a home, car and anything else we need I WOULD LIKE ALL REPORTS TO BE REMOVED IMMEDIATELY THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: NC

Complaint narrative:
I filed a dispute due to accounts opened fraudulent.. they denied to follow up with the investigation, I was notified that CFPB has filed a lawsuit against the company they alleged the company of accepting unreliable information, failure to notify cosumer Dispute results, this aligns well with my situations, experian has not attempted to remove or correct any information, Im requested all derogatory marks and hard inquiries that I did not agree to to be removed or corrected immediately, it is affecting me XXXX XXXX XXXX XXXX XXXX ) of gettn a home, car and anything else we need I WOULD LIKE ALL REPORTS TO BE REMOVED IMMEDIATELY THANK YOU

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 2025-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX XXXX my face recognition was working in the wee early hours so when I check like a XXXX XXXX  somewhere around there nothing happened like no more Face ID so I call customer service at Bank of America. Verify some id questions which I did and still no answers the banker over the phone claims no access so I continued to ask questions and provide them with what they needed but that was not returned customer service banking .so my other complaint a marketing specialist had reach out to me about my past grievances and I kept her number she is XXXX XXXX she rude even with our past conversation she is very like condescending can you describe in specifics instead I am hear to help please describe in detail give me that option any ways I spoke with her. She finally picks up she says she has a meeting ok I will get back to so XXXX XXXX  comes I call her back the marketing specialist XXXX I was asking her what could be going on oh well if your on a computer its not the banks fault if you click on a scam what is this lady talking about its never their fault just like I had to get 30 alerts removed from my account It was the banks fault.SO AFTER HUNTING this person down she comes back with vague answers it could be that your account is closed and the bank no longer wants to do business with you or just go in with two forms of id well I went in and ask for a XXXX like I was told and XXXX rushes off to the back when she finally comes back 30 mins later she then says she has to reach out to the back office ok while now it gets crazy. Right she rushes to the back and. Now she like I have to call customer service ok the whole this rude lady is on the phone with customer service she is rude and hogging the phone I mean like not letting me speak to customer banking intill i said hey this is my money ok put the person on speaker like pulling teeth. So going on she was still hogging the phone I repeatedly ask both parties why. Is my funds not available and mind you the whole time you have a rude lady by the namee of XXXX, in walking in the room interrupting asking the branch manager XXXX about her clients she was interrupting us about 4 times. So still XXXX says your bank account is closing because it was a business decision and I say what type of business decision like fraud on my account a hold for what type we dont have to give a reason yet money is disappearing from this account. Dollar amount s and still no answers so I leave without my funds which I asked repeatedly and before then they say contact us in 24 hours and XXXX says she will contact me that never happened. So now XX/XX/XXXX I am dealing with risk management XXXX and XXXX, and so on different conflicting stories my card still not activated help! They are giving me the run around

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 2025-03-13 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: TX

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 2025-03-13 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: TX

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 2025-03-13 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: AZ

Complaint narrative:
There's a debt of XXXX dollars owed to XXXX  but in order to get a new line this had to be paid, which it was. I currently have XXXX and in good standing. I don't own anything to them and this is either not mine or hasn't been updated but I definitely have a current good debt free phone line. I'm uploading my most recent statement.

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 2025-03-13 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: EdFinancial Services
State: GA

Complaint narrative:
To Whom It May Concern, XXXX XXXXXXXX XXXX Mortage I am writing to formally dispute the reporting and handling of my account with XXXX, as I believe my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws have been violated. 

According to 15 U.S.C. 1681 Section 602, I have the right to privacy regarding my consumer credit information. Furthermore, under 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency is prohibited from furnishing an account without my prior written instructions. If this account has been reported without my direct and express authorization, it constitutes a clear violation of my rights.

Additionally, per 15 U.S.C. 1666B, a creditor is not permitted to treat a payment on an open consumer credit plan as late for any purpose. If any negative reporting has resulted from a misrepresentation of my payment status, this action is unlawful and must be corrected immediately. 

I demand that XXXX provide : 1. Proof of my written authorization allowing the reporting of this account.

2. Validation of the accuracy of any late payments reported.

3. Immediate correction and removal of any inaccurate, unauthorized, or unfairly reported information. 

Failure to comply with my request within the legally required timeframe will result in further action, including but not limited to, formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal recourse. 

I expect a prompt response regarding this matter. Please provide written confirmation of your findings and any actions taken. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim.

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

The following information on my credit report is the result of identity theft and should be blocked : XXXX / XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, after which I may request an extension of the block. During this period, you may not report or reinstate any fraudulent information on my credit report.

I have contacted the credit bureau multiple times to report these fraudulent accounts, yet no resolution has been provided. This issue has significantly impacted me, especially as I am in the process of acquiring a home for my children. Additionally, these collections were removed and not verified by other bureaus, which raises concerns about the inconsistent handling of these accounts. 

I have also requested contracts from the company reporting these accounts to verify my information, but after more than 60 days, I have received no response. I urge you to take immediate action to remove these accounts. Attached is my FTC Report for further reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: GA

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 XXXX  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 2025-03-13 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: FL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 XXXX  XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  - XX/XX/XXXX, XXXX XXXX  XXXX - XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX  - XX/XX/XXXX, XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX  XXXX XXXX - XX/XX/XXXX, XXXX  XXXX XXXX XXXX  - XX/XX/XXXX, XXXX XXXX XXXX  XXXX - XX/XX/XXXX 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 XXXX as proof from the US Federal Trade Commission that all of 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 2025-03-13 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: CA

Complaint narrative:
Over the last several weeks, the Federal Student Loan system was accessed by non-government employees. Yesterday, XX/XX/year>, the system was down for 24 hours while employees at the Department of Education were not allowed in their offices. There was no government oversight, our financial information including our social security numbers and information were also downloaded and accessed by XXXX employees through both the IRS and the Social Security Administration. It is illegal to access and utilize this information. I did not authorize anyone to have access to my information. 
My loans though XXXX total {$25000.00}. I was enrolled in the SAVE program created by President Joe Biden and now it is showing I will have to begin paying double what my current payment is starting on XX/XX/year>.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: CA

Complaint narrative:
Over the last several weeks, the Federal Student Loan system was accessed by non-government employees. Yesterday, XX/XX/year>, the system was down for 24 hours while employees at the Department of Education were not allowed in their offices. There was no government oversight, our financial information including our social security numbers and information were also downloaded and accessed by XXXX employees through both the IRS and the Social Security Administration. It is illegal to access and utilize this information. I did not authorize anyone to have access to my information. 
My loans though XXXX total {$25000.00}. I was enrolled in the SAVE program created by President Joe Biden and now it is showing I will have to begin paying double what my current payment is starting on XX/XX/year>.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: CA

Complaint narrative:
Over the last several weeks, the Federal Student Loan system was accessed by non-government employees. Yesterday, XX/XX/year>, the system was down for 24 hours while employees at the Department of Education were not allowed in their offices. There was no government oversight, our financial information including our social security numbers and information were also downloaded and accessed by XXXX employees through both the IRS and the Social Security Administration. It is illegal to access and utilize this information. I did not authorize anyone to have access to my information. 
My loans though XXXX total {$25000.00}. I was enrolled in the SAVE program created by President Joe Biden and now it is showing I will have to begin paying double what my current payment is starting on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: NJ

Complaint narrative:
Please take immediate action to block and delete the unauthorized accounts from my credit report. These accounts were not opened or authorized by me, and I do not recognize them. In line with USC 1681g, I formally request their removal within 15 days. Enclosed are supporting documents for review. Additionally, each bureau is reporting different account information, leading to discrepancies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX - Balance : {$3800.00} - Account # : XXXX XXXX XXXX, XXXX - Balance : {$440.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$360.00} - Account # : XXXX XXXX  XXXX XXXX XXXX - Balance : {$1600.00} - Account # : XXXX XXXX XXXX  XXXX - Balance : {$320.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under 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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FORD MOTOR CREDIT CO.
State: AR

Complaint narrative:
Complaint Regarding Ford Motor Credit Comp Date Closed : XX/XX/year> Issue : Re-aging of Account Dear Consumer Financial Protection Bureau, I am submitting this complaint against Ford Motor Credit Comp for improperly reporting an account ( Account : XXXX ) as on my credit report despite it being older than seven years and closed in XX/XX/year>. The account has been inaccurately re-aged, violating my rights under the Fair Credit Reporting Act ( FCRA ). 
According to Section 605 of the Fair Credit Reporting Act, 15 U.S.C. 1681c, no consumer reporting agency may include an account placed for collection or charged to profit and loss in a report if the account is older than seven years. The specific sections of the FCRA that have been violated are : 1681c ( a ) ( 4 ) : Accounts placed for collection or charged to profit and loss must not be reported if they predate the report by more than seven years.

1681c ( a ) ( 5 ) : Any adverse item of information, other than records of convictions of crimes, must not be reported if it predates the report by more than seven years.

Despite this, Ford Motor Credit Comp has re-aged this account and continued to report it in a way that violates these provisions. I respectfully request that the CFPB investigate this matter and assist in ensuring that the credit reporting agency complies with the FCRA and removes this inaccurate information from my credit report.

Company response to consumer: Closed with explanation