vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-05 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: VA

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXXXXXX   ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, 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 a Accounts : Commonwealth of Va Account # : XXXX date opened XX/XX/XXXXXXXX  bal. {$9400.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$2100.00}, XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$1500.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 2025-01-05 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: DE

Complaint narrative:
I am a victim of the XXXX data breach and have discovered an unhealthy amount of inquiries on my credit profile, all of which i NEVER AUTHORIZED nor INITIATED OR GAVE CONSENT TOO. The inquiries below are fraudulent and must be deleted immediately from all reporting Bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-01-05 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am a victim of the XXXX data breach and have discovered an unhealthy amount of inquiries on my credit profile, all of which i NEVER AUTHORIZED nor INITIATED OR GAVE CONSENT TOO. The inquiries below are fraudulent and must be deleted immediately from all reporting Bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
The FCRA helps protect the fairness, accuracy and privacy of consumer credit information. The Credit CARD XXXX and the XXXX XXXX are other acts associated with the FCRA. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) enforce the FCRA per Capital One. Capital One closed my account while I was enrolled in the specialty assistance program, that is supposed to suppress fees. I spoke with XXXX, id : XXXX, who informed me I would not have any fees while going through this hardship. I was in fact charged fees and my account was closed. This has been detrimental to my credit as I have been denied for housing, a vehicle and other things. I also received a " member fee '' of {$39.00} that I had no knowledge of. As I was approved for a secured credit card, not with fees. I will be filing complaints with other entities as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: TX

Complaint narrative:
I am disputing the account listed under XXXX XXXX XXXX, originally from XXXX XXXX XXXX, because the information reported is inaccurate and fraudulent. Specifically, the last name associated with the account is clearly misspelled, which makes the account invalid and unverifiable. Furthermore, I am attaching an FTC Identity Theft Report to demonstrate that this account does not belong to me and is fraudulent. 

Under 15 U.S.C. 1681c-2, Credit Reporting Agencies ( CRAs ) are required to block and remove fraudulent information from a credit report within 4 business days after receiving notice and supporting documentation. I have provided the following : A copy of my FTC Identity Theft Report detailing the fraudulent nature of this account. 
A request for immediate removal as this account is both inaccurate and damaging to my credit. 
Additionally, under 15 U.S.C. 1681e ( b ), CRAs are obligated to ensure " maximum possible accuracy '' in the reporting of information. This account fails to meet that standard due to the incorrect last name and fraudulent origination. 

Under 15 U.S.C. 1681i, CRAs must reinvestigate any disputed information and delete unverifiable or inaccurate items promptly. The inaccurate spelling of my last name makes verification of this account impossible. 

Further, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 8 ), furnishers of credit information are prohibited from reporting false information. This makes the reporting of this account a direct violation of federal 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 2025-01-05 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: TX

Complaint narrative:
I am disputing the account listed under XXXX XXXX XXXX, originally from XXXX XXXX XXXX, because the information reported is inaccurate and fraudulent. Specifically, the last name associated with the account is clearly misspelled, which makes the account invalid and unverifiable. Furthermore, I am attaching an FTC Identity Theft Report to demonstrate that this account does not belong to me and is fraudulent. 

Under 15 U.S.C. 1681c-2, Credit Reporting Agencies ( CRAs ) are required to block and remove fraudulent information from a credit report within 4 business days after receiving notice and supporting documentation. I have provided the following : A copy of my FTC Identity Theft Report detailing the fraudulent nature of this account. 
A request for immediate removal as this account is both inaccurate and damaging to my credit. 
Additionally, under 15 U.S.C. 1681e ( b ), CRAs are obligated to ensure " maximum possible accuracy '' in the reporting of information. This account fails to meet that standard due to the incorrect last name and fraudulent origination. 

Under 15 U.S.C. 1681i, CRAs must reinvestigate any disputed information and delete unverifiable or inaccurate items promptly. The inaccurate spelling of my last name makes verification of this account impossible. 

Further, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 8 ), furnishers of credit information are prohibited from reporting false information. This makes the reporting of this account a direct violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I Received an Email from Wells Fargo Promotion to Open and New Account with them and received XXXX Bonus when with opening deposit of XXXX, Qualifying deposit of XXXX from Employer or XXXX, federal government benefits, and keep account In good standing for 90 days to receive the bonus. After the 90 day period I called Wells Fargo customer service to inquire when I would receive the bonus since I meet all of the eligibility requirements, to which was told that I didn't qualify with different excuses after I submitted documents to substantiate my eligibility for this promotion. I called numerous asking for written evidence of when this promotion started which the company has none listed on their website or application and when I call to inquire the representative put me on a very long hold and I believe Wells Fargo has a written narrative on my account to purposely tell any future call center rep to give false information or prevent the release of the real evidence to validate this promotion.

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 2025-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I am requesting a refund of {$420.00} associated with account number XXXX XXXX XXXX XXXX. Citi thank you rewards card. The refund was issued from XXXX on XX/XX/XXXX and on XX/XX/XXXX after a follow up email, I was told this via email by the merchant ( XXXX ) - I understand that the customer has an issue with a refund they claim they have not received. 

The XXXX for this transaction XXXX. An ARN ( Acquirer Reference Number ) is proof that the money has left XXXX and that the bank/pay service ( Acquirer ) has received it and provided us with proof of the receipt ( Reference Number ). If they are not able to find the transactions with the number they ( card issuer ) provided, they need to escalate this internally. There is nothing Apple can do anymore The details of my request are as follows : Citi Bank Case Number : XXXX Refund Amount : {$420.00} ( XXXX also be amount XXXX ) Mailing Address : XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX On XX/XX/XXXX, at XXXX AM EST, I spoke with a female Citi ThankYou Customer Service agent, who advised me to contact this email ( XXXX ) address to request my refund.This email address is invalid/inactive. 

The XXXX account is now inactive/closed, and a refund from XXXX was issued to this inactive card. Therefore, I am requesting that a refund check for the amount of {$420.00} be sent to my mailing address provided above or to my choice of banking institution.

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 2025-01-05 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 recentil reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recentil reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: MA

Complaint narrative:
XXXX XXXX pulled my credit without my authorization.

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 2025-01-05 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: TX

Complaint narrative:
I am filing this complaint to address TransUnion 's failure to properly investigate and resolve fraudulent items on my consumer report in accordance with the Fair Credit Reporting Act ( FCRA ). Despite submitting all necessary documentation, including an FTC Identity Theft Affidavit ( Complaint # XXXX ), and filing prior CFPB complaints ( # XXXX submitted on XX/XX/XXXX ), TransUnion reinstated fraudulent accounts without providing a valid reason.

TransUnion has also failed to process my disputes under FCRA 605B and has not disclosed their method of investigation as required by FCRA 611 ( 15 U.S.C. 16811 ). Supervisors have stated that their " policy '' prevents the removal of these fraudulent items, which directly contradicts the law. These accounts, including collections, late payments, and charge-offs, are the result of identity theft, as evidenced by my submitted FTC Criminal Complaint.

I demand the immediate removal of these items within four days of receipt of this complaint to ensure compliance with federal regulations.

In addition, I am reporting the failure to remove two fraudulent student loan accounts from my credit report, despite submitting a valid FTC Identity Theft Affidavit and all required supporting documents. These accounts were opened fraudulently at XXXX XXXX XXXX XX/XX/XXXX under account numbers XXXX and XXXX. In XXXX, I submitted my FTC affidavit disputing these accounts and provided all necessary documentation to have the items blocked and removed in accordance with FCRA Section 605B. However, despite compliance with the legal requirements, these fraudulent accounts remain on my credit report.

I have spoken with several supervisors who informed me that the accounts could not be removed due to an internal " policy '' that conflicts with the procedures mandated by law under FCRA Section 605B. This policy does not align with the federal protections afforded to victims of identity theft and has caused significant harm and frustration.

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 2025-01-06 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: TX

Complaint narrative:
Violation of Fair Credit Reporting Act ( FCRA ) - Inaccurate and Unauthorized Reporting Account Information : Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Complaint Details : I am submitting this complaint to address the inaccurate and unauthorized reporting of late payments by Ally Financial on my credit report. Specifically, this issue violates the Fair Credit Reporting Act ( FCRA ), including but not limited to : Unauthorized Reporting : You have reported late payment information without my explicit written permission, which contravenes 15 U.S. Code 1681b ( 2 ). I did not provide any written instructions or authorization, including a wet signature, for such information to be shared or reported. Inaccurate Reporting : The account in question is inaccurately reported across the three major credit bureaus : XXXX : Reflects a positive payment history. TransUnion and XXXX : Report 90 days past due, which is factually incorrect. This inconsistency demonstrates non-compliance with Section 611 of the FCRA, which mandates the reporting of accurate information to ensure fairness and accuracy in consumer reports.

Impact on Creditworthiness : This inaccurate and unauthorized information is severely impacting my ability to obtain credit. The false reporting of late payments is unjustly lowering my creditworthiness and causing undue harm. Requested Resolution : I respectfully request the CFPB to conduct an immediate and impartial investigation into this matter, including : Verification of whether XXXX XXXX has obtained my written permission for reporting this information, with documentation of my wet signature. Validation of the late payment entries and correction of any inaccuracies in compliance with the FCRA. 
Confirmation that all inaccurate and unauthorized entries are removed from my credit reports. A detailed written response outlining the investigation findings and any corrective measures taken. I trust that your agency will address this matter promptly to protect my consumer rights as guaranteed under the FCRA.

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 2025-01-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Americas Car-Mart, Inc.
State: AL

Complaint narrative:
A vehicle was purchased from this car in XXXXXXXX XXXX XXXX  and shortly returned 1 month later in XXXX. There were major issues within the car the dealership would not fix. They were sent videos and pictures of the vehicle drenched in water when it rains. The dealership asked for the car to attempt to make repairs and they never called back to give an update. Later they submitted to the credit bureaus that it was a voluntary repossession. This needs to be taken off of my credit report. I also, left a XXXX review when the situation was happening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting 'validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is? violation of the Fair Debt Collection Practices Act FDCPA 807 ( 15 USC 1962e ) ; therefore, if you c validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 547 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. For the purposes of 15 USC 1692 et seq, this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you be collected as evidence should any further action be necessary. This is a request for information only and is not a statement, election, or waiver of status.

Company response to consumer: Closed with explanation