vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX  I am writing to dispute the accuracy of the information reported to your bureau regarding the above-mentioned account. The account was opened on XX/XX/2021, but I did not use the card or incur any charges.

Despite my inactivity, the account has been sent to collections, which I believe is an error. I request that you investigate this matter and take the following actions : 1. Verify the accuracy of the information reported by XXXX. 
2. Remove the collections status and any associated negative marks from my credit report.

3. Update my credit report to reflect a " closed '' or " inactive '' status for this account.

Please investigate this matter and correct my credit report accordingly. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: NY

Complaint narrative:
XXXX XXXX I am writing to dispute the accuracy of the information reported to your bureau regarding the above-mentioned account. The account was opened on XX/XX/2021, but I did not use the card or incur any charges. 

Despite my inactivity, the account has been sent to collections, which I believe is an error. I request that you investigate this matter and take the following actions : 1. Verify the accuracy of the information reported by XXXX. 
2. Remove the collections status and any associated negative marks from my credit report.

3. Update my credit report to reflect a " closed '' or " inactive '' status for this account.

Please investigate this matter and correct my credit report
accordingly. I appreciate your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Reported companies and affiliated, XXXX, Experian, XXXX, XXXXXXXX XXXX XXXX, are in possession of my stolen credit card ( social security ) information, absent knowledge, consent or approval per 15 usc 1602 ; 15 usc 1692 c ; 15 usc 6802. Compliance has not been met by companies. I have identified the stolen accounts and information in the attached exhibits ( identity theft report ). Companies have been provided opt out cease and desist notices, and demand for immediate block has been forwarded 15 usc 1681 c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TrueAccord Corp.
State: PA

Complaint narrative:
Im unaware of this debt. I did not have an opportunity to dispute this debt. If you believe you gave me proper notification, please send me the certified mail receipt with my signature stating that I received this notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Service Company, INC
State: TX

Complaint narrative:
I am writing to formally dispute the validity of any debt claims you allege I owe, specifically the amount of {$570.00} as reflected on my credit report. I did not receive any written notice of this debt, and therefore, had no opportunity to address the issue. 

Additionally, I requested the company 's licensing and bonding : As per my rights under state and federal laws, I wanted XXXX XXXX ( also known as Credit Service Company , Inc. ) to provide documentation proving that they are licensed and bonded to collect debts in the state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: IL

Complaint narrative:
I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Tesla, Inc.
State: NJ

Complaint narrative:
I am writing to dispute the adverse action taken by Tesla Finance LLC on my credit application for financing a XXXX XXXX XXXX  vehicle, as well as to report potential unfair and unethical business practices. 

On XX/XX/XXXX, I placed an order ( XXXX ) for a XXXXXXXX XXXX XXXX and was scheduled for delivery on XX/XX/XXXX. During the ordering process, I was requested by Tesla to temporarily unlock my credit file, which I did in order to allow Tesla Finance to review my application.

However, in an adverse action letter dated XX/XX/XXXX ( a future date ), Tesla Finance stated that they were unable to extend credit to me due to my credit being frozen, listed as " Credit Freeze. '' This reason is contradictory, as I had specifically unlocked my credit per Tesla 's instructions during the purchase process.

Furthermore, multiple other lenders were able to successfully pull my credit report and provide me with financing options which I ultimately accepted from XXXXXXXX XXXX This raises concerns that Tesla Finance may have discriminated against me by not giving my application full and fair consideration.

The adverse action letter also lacked specific details such as the date when Tesla Finance actually attempted to pull my credit report. This lack of transparency makes it difficult to verify their stated reasons. 

I am requesting that Tesla Finance provide a full statement of the specific reasons for the adverse action, including : 1. The date they attempted to access my credit report 2. Evidence that my credit report was actually frozen/inaccessible on that date 3. Details on the credit criteria used to evaluate my application Additionally, I am notifying the Consumer Financial Protection Bureau of this incident, as it appears to be a potential violation of the Equal Credit Opportunity Act 's prohibition against discrimination in credit transactions. 

I urge Tesla Finance to review this matter and provide a reasonable explanation and resolution. Unfair and deceptive lending practices are unacceptable. I look forward to your prompt response within the required timeframes.

Thank you for your attention to this serious matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: OH

Complaint narrative:
I attempted to complete a transaction with Wise ( an international money transfer institution ). I was transferring XXXXXXXX XXXX from my XXXX XXXX  account to an XXXX located in XXXX. The purpose of the transaction was to pay my landlord my deposit and first month 's rent. On XX/XX/2025, I set up the transfer on Wise using my XXXX XXXX account information. The transaction was paid on XX/XX/2025. On my online banking, I can see the payment ( {$1000.00} USD ) leaving my account. Wise reported that it had paid out the XXXX  to the receiving bank on XX/XX/2025. However, the recipient bank in XXXX never received the payment. My landlord reports never receiving the payment and when he asked his bank in XXXX, the bank said they had never received the payment. The landlord even provided a recent bank statement showing that the payment was not received from XX/XX/XXXX to XX/XX/2025. I uploaded this bank statement to Wise, and Wise offered to " trace '' or " recall '' the funds, but Wise stated that it could not guarantee that the funds would be recovered. I chose for Wise to " recall '' the funds on XX/XX/2025, and Wise estimated an attempted recall will take 10 days up to a month as they work with the receiving bank. However, since the receiving bank reports never receiving the payment, I am skeptical that the receiving bank will not do a recall. I have used Wise once before without any problems, but this time, I am afraid that they have lost my payment worth over {$1000.00} and are drawing out the process. I am trying to pay my landlord in a timely manner to reserve a room, and these delays have caused issues for both of us.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I urge you to take immediate steps to remove the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please address this promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: NC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Experian Experian Consumer Fraud Division XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Experian, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 15 Days from the date of the receipt of this notice. I look forward to your response. 
Thank You, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: WA

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 of 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 2024-05-28 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: FL

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
on XX/XX/year>, i deposited a LEGIT company check of {$850.00} into my checkings account from a new job i started ( i did not realize a portion of the checks rounting / account number was unreadable ) I still have the exact check. On XX/XX/year> my checkings account was closed, and my savings account was locked having {$1400.00} in it still. XXXX then reversed and took money out of my savings before contacting me about the misunderstanding. 
I have called several times to ask for updates, as i continue to receive banks statements and mail for the closed accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I spoke to numerous of representatives and they said it wouldnt be reported to my credit & According to FRCA section 605B it is illegal to report information on my credit report without my permission please remove this off my credit report thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLIANT CREDIT UNION
State: FL

Complaint narrative:
I, the consumer and natural person was denied credit by Alliant Credit Union, on XX/XX/2024, when I applied for an auto loan to purchase a new car. 

Adverse Action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. 

You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Alliant Credit Union due to the response I received. 

Alliant Credit Union, is in violation of 15 U.S code 1642 U.S.C 1681m and 12 CFR 1002 because I, the consumer made an application in good faith, but credit was not issued. 

Furthermore, because my social security number was used and I received NO benefit. This is proof of fraudulent activity on behalf of Alliant Credit Union. 

If Alliant Credit Union fails to make any reasonable procedures to resolve this matter and compensate me for the use of my social security, I will indeed make Alliant Credit Union criminally and civilly liable for all actual damages pursuant to 15 U.S.C 1681m and 15 U.S.C 1681o. 

I will also follow up with an invoice for said violations ( {$1000.00} ) per violation. 


Thank you, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: NY

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: NY

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: CT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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