vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Certainly! Here 's a draft for your CFPB complaint regarding Ally and your car loan : Subject : Complaint Regarding Inaccurate Credit Reporting by Ally Financial Violation of the Fair Credit Reporting Act ( FCRA ) Dear CFPB, I am writing to formally file a complaint against Ally Financial regarding inaccurate and derogatory information they have reported on my credit file, in violation of the Fair Credit Reporting Act ( FCRA ). 

Ally Financial has reported four derogatory marks on my credit report, which is incorrect. I have consistently been current with my car loan payments and have made all payments within the required time frame. These inaccurate entries are unjustly damaging my credit profile and do not reflect my actual payment history. 

I have contacted Ally Financial directly to dispute these errors, but they have failed to correct the inaccurate information. Since the FCRA mandates that furnishers of information report accurate and complete data to credit reporting agencies, I believe Ally Financial is not in compliance with these regulations. 

This incorrect reporting has caused me unnecessary stress and hardship, as it has negatively impacted my XXXX XXXX and financial standing. I request that CFPB investigate this matter and ensure that Ally Financial corrects the inaccuracies and removes the erroneous derogatory marks from my credit report. 

Thank you for your time and assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Good evening, My Wells Fargo account was closed. I called into Wells Fargo to expedite several pending charges to clear. The agent I spoke to submitted a dispute on all pending charges. I did not want this to happen. I called back to cancel the dispute. I also attempted to do a balance transfer. For some reason an account that I had opened years ago that is now closed with XXXX bank was an option listed. This chase account was closed. I accidentally selected this option for the balance transfer since it was only few options. This was marked as fraudulent from Wells. See attached. None of these actions were intentional but Wells Fargo ended XXXX year relationship over this.

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 2025-01-12 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:
Dates N/A Amount XXXX Actions reported to credit bureaus numerous of times and inaccurate account is still on report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: CA

Complaint narrative:
Experian is currently being sued by CFPB due to Sham investigations of credit reporting errors.

Experian repeatedly violated my rights and violated the FCRA on purpose. I submitted multiple disputes to remove inaccurate accounts. The recent dispute is on XXXX XXXX XXXX  and I received results less than XXXX hours later that they were completed, False. I sent my drivers license and social security card to confirm that their should only be one address on my credit file. My experian credit report still shows multiple false addresses that do not belong to me. Specifically Experian did not do a complete investigation and Specifically Experian violated the codes and laws below Experian violated : California Code 1785.26 : requires the creditor to notify the consumer before the creditor reports negative information to the credit reporting agency.

-15 USC 1681s-2 : Negligence in ensuring the furnishes of information comply with their obligations -15 USC 1681e ( b ) : Failure maintain the accuracy of my credit report -15 USC 1681i ( 5 ) : Failure to properly reinvestigate disputes and remove inaccurate information My XXXX XXXX remains inaccurate. This has continued to negatively increased financial hardship, negative impact of employment opportunities and it has impacted my ability to get housing, financial loans, and no access to credit cards.

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 2025-01-12 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX XXXX : XXXX XXXX : XXXX This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency, block information on my consumer credit report that is the result of identity theft and fraud. These fraudulent activities have resulted in unauthorized collections accounts that I do not recognize and were not initiated by me. I have attached a list of these fraudulent collections accounts, along with a copy of my consumer credit report that highlights the disputed items. I have also included the FTC Identity Theft Criminal Complaint Number as proof that these items are the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have never given permission to anyone to report the above information to Experian and 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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing regarding the multiple hard credit inquiries that appear on my credit report. Upon reviewing my report, I noticed [ XXXX ] inquiries on XXXX [ XXXX ] on XXXX and [ XXXX ] on Equifax attributed across several days. I was unaware that this many inquiries would be conducted, and I believe this violates my expectations of the financing process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally lodge a complaint against Equifax for their failure to properly investigate multiple credit disputes I have submitted. Despite providing substantial verification and supporting documentation to substantiate my claims, Equifax has not resolved the issues, and their inaction has caused significant financial hardships for me. 

Over the past several months, I have disputed several items on my credit report that do not belong to me. To support my disputes, I submitted proper verification, including documentation from creditors confirming that certain accounts were not opened by me. Unfortunately, Equifax has either ignored or dismissed this evidence, leaving the erroneous items on my report.

To make matters worse, Equifax unjustly labeled one of my disputes as " frivolous. '' This assertion has severely undermined their credibility, especially since one of the accounts they claimed was frivolous was later confirmed by the creditor to be fraudulent. The creditor even issued an apology and provided documentation to confirm that the account was not mine. I promptly forwarded this document to Equifax, yet they still failed to take appropriate action to rectify my report. 

This ongoing situation has had a devastating impact on my financial stability. The inaccurate information on my credit report has hindered my ability to secure loans, housing, and other essential financial services. As a result, I am experiencing undue stress and economic hardship due to Equifax 's negligence. 

I respectfully request that the CFPB intervene to ensure that Equifax fulfills their legal obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, I am asking for the immediate deletion of all disputed items from my credit report. These errors have already caused enough damage to my financial well-being, and I am entitled to a resolution. 

I trust that the CFPB will take swift and decisive action to address this matter. Thank you for your time and attention to this serious issue. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: TX

Complaint narrative:
I am filing a formal complaint against Experian regarding their failure to conduct a full investigation into my dispute submitted on XXXX XXXX XXXX associated with report number " XXXX. '' Under the Fair Credit Reporting Act ( FCRA ), Experian is legally required to thoroughly investigate disputes and provide clear, documented reasoning for the verification of any information reported. However, Experian did not provide any explanation on how my dispute was verified or why it was marked as " Verified and Updated, '' thus failing to meet their obligations 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 explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I ask for proof of debt also XXXX form no response and none of these accounts have been removed aster being disputed It has been 45 days or more since this ask been asked

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-01-12 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: CA

Complaint narrative:
This is the XXXX time I am trying to resolve this issue but TransUnion keeps denying me and is making my life difficult to live. On or about 2024 XXXX I recieved my credit report and still noticed a fraudulent account for XXXX XXXX XXXX on my transunion credit report, the account number is XXXX and the amount is for {$4000.00}, at first they removed it from my report and then put it back on, I need it immediately deleted permanently as this is identity theft and I have attached an FTC report as well supporting that claim. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX of {$4000.00}

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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I went to pull my credit reports at annualcreditreport.com and when I got to Experian to review my report due to several inaccuracies & suspicious activity on my other reports, Experian indicated that I am not able to view and check my report when I have repeatedly provided the correct address Ive had for the last several years, my XXXX & XXXX and that it is not available to view as I can not be identified? They didnt offer any challenge questions or anything to move this process along to accommodate me, the consumer. I have been checking my credit on annualcreditreport.com for years & I dont understand why I can not review any of my accounts all of a sudden on this report. I have not placed my report under dispute, I have always used the same information & This stops the process for me to be able to send the concerns/disputes to them in a timely manner for my very own dealings to apply or try to obtain credit for my personal use. Experian has gotten this wrong & I feel they are intentionally delaying the process of investigations and disputes for their own personal gain.

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 2025-01-12 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-01-12 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: NY

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

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 2025-01-12 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: NY

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

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 2025-01-12 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: FL

Complaint narrative:
I am writing to you under extreme distress and urgency as a victim of XXXX XXXX, whose rights and well-being continue to be jeopardized due to mishandlings and oversights by credit reporting agencies, specifically TransUnion. Despite clear documentation and attestation of my status as a XXXX XXXX my credit report remains fraught with inaccuracies and unauthorized entries, directly impacting my ability to secure housing and provide a safe, stable environment for my children to start a new life.Under Section 605C of the Fair Credit Reporting Act, demanding special considerations and protections which have been grossly overlooked. 

Issues of Immediate Concern : Inaccurate and Unauthorized Entries : My credit report lists multiple accounts and inquiries that I never authorized and which are a direct result of identity theft associated with my victimization. 
Failure to Recognize Victim Status : Despite the substantiated documentation provided under Section XXXX of the Fair Credit Reporting Act and 12 C.F.R. 1022.142, my rights as a victim have been grossly neglected, with no corrective action taken to block adverse information. 
These errors have not only devastated my financial profile but have also severely limited my housing options, a critical factor for the well-being and stability of my children and myself. This ongoing negligence violates my consumer rights and contradicts the very essence of the protections promised to XXXX  survivors.

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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I ask for proof of debt also XXXX form no response and none of these accounts have been removed aster being disputed It has been XXXX  days or more since this ask been asked

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
I ask for proof of debt also XXXX form no response and none of these accounts have been removed aster being disputed It has been XXXX  days or more since this ask been asked

Company response to consumer: Closed with explanation