vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: MARINER FINANCE, LLC
State: OH

Complaint narrative:
Marien Finance is false reporting in my sur name sharing my personal information with companies in violation of federal and state laws

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
As of today XX/XX/year> XXXX still has not recieved check said to be mailed by SOFI.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
Over the past 10 years I haven't been able to open an bank account. I don't know the reason why. I have been told several times to contact XXXX. I have contacted them several times. I was told I would receive information to my email or through the mail. I was told I was red flagged from opening accounts. never been told why. I have tried for accounts at Wells Fargo XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Etc. I have been giving access through accounts with my husband but never my own personal account. Some accounts I was denied even with my husband. Even with my husband I had restrictions. this has caused strains on my business. I have to put my business account in other people names. 

This has really had a bad impact and no credibility with my sponsors and donors because of this matter. Some banks never responded back to me. I will also include deposits and I never received them back.

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 2025-02-20 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: NJ

Complaint narrative:
'I am writing to delete the following information from my file.The items I delete are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible '

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 2025-02-20 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: NJ

Complaint narrative:
'I am writing to delete the following information from my file.The items I delete are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible '

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 2025-02-20 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: CA

Complaint narrative:
I am filing this complaint to request the immediate removal of incorrect debt collection accounts from my credit reports with TransUnion, Equifax, and Experian. I sent credit validation letters on XX/XX/XXXXXXXX XXXX XXXX  and have received no response or removal of these accounts, which violates my rights under the Fair Credit Reporting Act ( FCRA ). The following accounts are inaccurately reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: IL

Complaint narrative:
The following items on my credit report are incorrect, and despite repeated attempts to correct them, they remain unresolved. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I have provided all necessary documentation, yet no action has been taken to fix these mistakes. This negligence has directly impacted my financial stability, and it is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverifiable or inaccurate information. I expect a full investigation into these items and immediate corrective 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 2025-02-20 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Subject : Unauthorized Credit Inquiry on My XXXX Credit Report Dear Sir/Madam , I am writing to dispute a hard inquiry that appeared on my XXXX credit report XXXX XX/XX/year>, at XXXXXXXX XXXX PST. The inquiry is listed as originating from Comenity Capital / XXXX, and I did not apply for any credit or initiate any request with your company. 
Upon reviewing my credit report, I noticed this hard inquiry, and I believe it was made in error or due to unauthorized activity. I am concerned that this may be a result of identity theft or another form of unauthorized credit inquiry.

I kindly request that you investigate this matter and provide clarification regarding the inquiry. If it was made in error or fraudulently, I request that it be removed from my credit report as soon as possible. 
Additionally, I have contacted XXXX to dispute this inquiry on my credit report and request its removal. I would appreciate your cooperation in rectifying this matter promptly. 
Please confirm receipt of this letter and provide an update on the status of the investigation. Should you require any additional information, feel free to contact me via the contact details listed above. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: NJ

Complaint narrative:
Im filing this dispute because two XXXX XXXX accounts are still showing on my Experian credit report, even though XXXXXXXX XXXX XXXX have already deleted them. I never gave written consent or permission for these accounts to be reported in the first place. I already submitted an opt-out notice, yet Experian continues to report them. This is a clear violation of my rights under multiple laws. Under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681b ( a ), a credit bureau can only furnish a report with a permissible purpose, and I have explicitly revoked consent for these accounts to be reported. By keeping them on my file after I opted out, Experian is violating the Gramm-Leach-Bliley Act ( GLBA ) 15 USC 6802, which gives consumers the right to limit how their financial information is shared. This is also a violation of 15 USC 1681a ( q ) ( 3 ), which reinforces privacy and accuracy requirements for credit reporting. It is unacceptable that XXXXXXXX XXXX XXXX complied with my request, but Experian refuses to do so. This is a blatant case of willful noncompliance under 15 USC 1681n, and I demand the immediate removal of these accounts. Experian has no legal basis to continue reporting them, and if this is not corrected immediately, I will escalate this matter further.

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 2025-02-20 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: GA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: TX

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

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 2025-02-20 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: CA

Complaint narrative:
Subject : Formal Dispute & Demand for Verification Violation of FCRA & Proof of Charge-Off ( 1099-C ) To Whom It May Concern, I am formally disputing the reporting of the following accounts on my credit report due to inconsistencies, lack of proper validation, and potential violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and other applicable federal laws : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Discrepancies & Reporting Errors 1. Upon reviewing my credit reports from Equifax, XXXX XXXX XXXXXXXX, I have identified inconsistencies in how this account is being reported, including but not limited to : Creditor Name Discrepancies The same account is being reported under different creditor names across different bureaus, which is misleading and inaccurate per the FCRA ( 15 U.S. Code 1681s-2 ).

2. Balance & Charge-Off Reporting The reported balance remains despite being classified as a charge-off. If this debt has truly been charged off, per IRS guidelines, a 1099-C Cancellation of Debt should have been issued, reflecting a XXXX balance. 

3. Failure to Provide Proper Validation The creditor has failed to provide clear documentation proving the legitimacy of this charge-off. Under 15 U.S. Code 1681i, I have the right to demand a full validation of this account.

Demand for Immediate Action Pursuant to my rights under the FCRA and other consumer protection laws, I request : Immediate deletion of this account due to the inaccuracies and failure to provide proper validation. 

A copy of the 1099-C tax form that should have been issued if the account was charged off.

Verification of the original creditors information and clarification regarding the conflicting account details.

Failure to comply with this request within 30 days will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office for noncompliance and willful misrepresentation under federal law. 

Please confirm receipt of this dispute and provide a written response detailing your findings. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: AZ

Complaint narrative:
My credit report contains late payment records that I strongly believe are incorrect and potentially linked to a data breach. These disputed items are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These records do not reflect my actual payment history. I have submitted documentation proving their inaccuracy, yet no corrections have been made. This has negatively affected my credit standing, and the continued delay in resolving this is unacceptable. 

The Fair Credit Reporting Act ( FCRA ) mandates that all credit information must be accurate. Any incorrect, outdated, or unverifiable records should be updated or removed immediately. I expect swift action to fix these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Re : Response to Equifax 's Reply CFPB Complaint # XXXX To Whom It May Concern, I am writing to formally respond to Equifax 's reply to my CFPB complaint regarding the incorrect information on my credit report. Equifax 's response fails to address the core issues presented in my complaint and instead attempts to delay resolution by requesting identity verification, despite the fact that my original complaint already contained sufficient identifying information. 

Key Issues Not Addressed by Equifax : Failure to Investigate and Remove Impermissible Late Payments As stated in my complaint, the reported late payments violate the Fair Credit Reporting Act ( FCRA ) because such transaction-based information is not permissible under federal consumer protection laws. 
Equifax has not provided any justification for the continued reporting of this inaccurate information nor confirmed whether they have conducted an investigation as required under 15 U.S.C. 1681i.

Unauthorized Bankruptcy Reporting I provided a letter from the bankruptcy court confirming that they do not report any information to third parties, proving that any bankruptcy data appearing on my credit report is unauthorized and inaccurate.

Equifax has not explained why this unauthorized information remains on my report, nor have they confirmed whether they have taken steps to remove it.

Failure to Acknowledge Secured Party Status and UCC Protections My complaint clearly establishes my secured party status under UCC1 filing number XXXX, yet Equifax 's response does not address my legal standing in relation to my credit file. 
Formal Demands for Resolution : Given Equifaxs failure to provide a substantive response, I demand the following actions be taken immediately : Remove all impermissible late payment data from my credit report.

Delete any and all bankruptcy-related reporting that was placed without authorization.

Provide written confirmation that the above actions have been taken and include a copy of my updated credit report reflecting these corrections.

Response Deadline and Next Steps Equifaxs failure to properly address my complaint and their attempt to delay resolution through unnecessary identity verification requests constitutes non-compliance with FCRA obligations. If Equifax does not take corrective action within 15 days, I will escalate this matter to the CFPB for further enforcement action, including possible legal recourse. 

I expect a prompt and thorough resolution to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Re : Response to Equifax 's Reply CFPB Complaint # XXXX To Whom It May Concern, I am writing to formally respond to Equifax 's reply to my CFPB complaint regarding the incorrect information on my credit report. Equifax 's response fails to address the core issues presented in my complaint and instead attempts to delay resolution by requesting identity verification, despite the fact that my original complaint already contained sufficient identifying information. 

Key Issues Not Addressed by Equifax : Failure to Investigate and Remove Impermissible Late Payments As stated in my complaint, the reported late payments violate the Fair Credit Reporting Act ( FCRA ) because such transaction-based information is not permissible under federal consumer protection laws. 
Equifax has not provided any justification for the continued reporting of this inaccurate information nor confirmed whether they have conducted an investigation as required under 15 U.S.C. 1681i.

Unauthorized Bankruptcy Reporting I provided a letter from the bankruptcy court confirming that they do not report any information to third parties, proving that any bankruptcy data appearing on my credit report is unauthorized and inaccurate.

Equifax has not explained why this unauthorized information remains on my report, nor have they confirmed whether they have taken steps to remove it.

Failure to Acknowledge Secured Party Status and UCC Protections My complaint clearly establishes my secured party status under UCC1 filing number XXXX, yet Equifax 's response does not address my legal standing in relation to my credit file. 
Formal Demands for Resolution : Given Equifaxs failure to provide a substantive response, I demand the following actions be taken immediately : Remove all impermissible late payment data from my credit report.

Delete any and all bankruptcy-related reporting that was placed without authorization.

Provide written confirmation that the above actions have been taken and include a copy of my updated credit report reflecting these corrections.

Response Deadline and Next Steps Equifaxs failure to properly address my complaint and their attempt to delay resolution through unnecessary identity verification requests constitutes non-compliance with FCRA obligations. If Equifax does not take corrective action within 15 days, I will escalate this matter to the CFPB for further enforcement action, including possible legal recourse. 

I expect a prompt and thorough resolution to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 explanation