vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 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: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's XXXX purposes requirements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 

I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : driver license Copy of Credit 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 non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Today XX/XX/year> I received an offer for a JetBlue Barclay credit card. On the flyer it clearly said 0 % balance transfer for the first XXXX months. It said that I was pre approved so it sounded like a good deal so I submitted there application through the XXXX XXXX. 
During the application process, it asked me for the names of the Credit Cards companies and the balance amount of each. Those were from XXXX XXXX, XXXX XXXX XXXX XXXX. I provided the information that they provided. and the hit submit. The amount that I requested to be transferred was {$6900.00} from XXXX XXXX, {$850.00} from XXXX and {$5200.00} from XXXX XXXX. So then I submit. They instantly qualified me for {$4600.00} which is way below my balance transfer. 
I called them immediately and told them that I did not apply for there Credit to get a balance, I did it for the Pre Approved credit balance transfer that they advertised. All the lady did in Customer Service did was she kept on explaining to me the benefits of Jet Blue rewards. I asked her many times to transfer me to a supervisor, because of what I felt was false advertisement. I kept explaining to her that I did not apply for more credit, I just wanted a balance transfer like the advertised. She kept advising me that your balance transfer was not approved, but you have {$4600.00} credit you can enjoy and then. Since she could not help me she transferred me to the application team who immediately transferred me back to Customer Service. So when I got transferred to the last person ( who I believe was the third or XXXX person I was transferred to, I just canceled the account they just opened. 

I am requesting that Barclay 's inquiry on my credit along with me canceling the their JetBlue reward, does not effect my credit due to their false advertisement. Like I said, they only reason I went through their application process was due to them sending me a pre approved letter for a balance transfer. ( FYI they only provided me with the last XXXX digits of the Credit Card, I tried to retrieve the whole number of the app but I could not figure out how to get it )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I opened this credit card through XXXX and the lender is XXXX XXXX  Since the issuance I have been unable to access my account online, obtain account information through the automated system or with a representative. My social security number with their company is inaccurate stopping me from gaining the requested access. I contacted them multiple times and have been hung up on & told to call back when I have the accurate information. Ive only given my accurate social security number, cell phone, birth date and have been asked additional security questions like what is your last purchase on this card which is something I cant confirm without access to the automated system. Most recently on XX/XX/XXXX and XX/XX/XXXX I attempted to make my payment and was denied again. Now they have reported negatively on my credit reporting and I cant even resolve the issue because they have no record of my social being linked to this account. At this point im confused, my right to fair and accurate reporting has been taken, I feel like this is a fraudulent card because I cant access anything and havent received anything in the mail. My request is that this account be closed and my credit report updated to remove the delinquency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable review and investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues, such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: EQUIFAX, 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 noticed certain accounts marked late when they should not be. These accounts should not have any late payment remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: MO

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. 

XXXX XXXX is the account I want removed. Resolved issue in XXXX and still on my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Cease and Desist All unlawful actions. 
XX/XX/XXXX To : Wells Fargo card services From : XXXX XXXX Wells Fargo Card Services has not been given my Express written permission to place anything on my credit report.

15 USC 1692b. 
This is a {$1000.00} Civil Penalty Wells Fargo Card Services knows this debt was under dispute but yet they continue to show it on my credit report during the dispute.

USC section 623 ( a ) ( 6 ) ( A ) This is a {$1000.00} Civil Penalty for each time they continue to list this debt on my credit report. Here are the dispute numbers and the dates. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX They were all XXXX XXXX disputes. 
They are all Civil Penalties.

1692k says it's {$1000.00} per violation That's a total of {$10000.00} for those Civil Penalties. 

Wells Fargo Card Services has charged off this account with the IRS and took a tax deduction but never gave me a 1099 a or 1099 b to offset my taxes. That's another civil penalty of {$1000.00}. 

Wells Fargo Card Services continue to show a balance of {$5500.00} knowing they already took a charge off and a tax deduction on the total amount of that debt. That's a {$1000.00} Civil Penalty.

15 USC 1691 e Any creditor who fails to comply with any requirement imposed under sub chapters shall be liable to the agreed applicant for any actual damage sustained by such applicant..

Damages : 1 : My credit card with XXXX XXXX was canceled because this debt was sitting on my credit and they held it against me. 

XXXX : XXXX XXXX refused to increase my credit limit because this debt was sitting on my credit report as derogatory Relief from damages are needed as follows. 
Action to take : Remove this debt from my credit immediately. 

Pay me damages of {$13000.00} according to the Civil Penalties Listed in 15 USC 1691 e And 15 USC 1692k Make any check out to XXXX XXXX. 

Thank you very much Consumer Finance Protection Bureau

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
Title : Dispute of Incorrect Charge-Off Reporting and Re-aging Violation by Discover Bank , Incorrect Payment Reporting by XXXX, XXXX, XXXX. 

Complaint Description : Dear CFPB, I am writing to file a complaint regarding inaccurate reporting on my credit report, specifically related to my Discover Bank that is being reported incorrectly by XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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 writing to formally dispute the inaccurate reporting of the account listed below on my credit reports. 
Equifax : XXXX XXXX XXXX 
account number : XXXX XXXX Experian : XXXX XXXXXXXX XXXX account number : XXXX The account XXXX XXXX XXXX was charged off in XX/XX/XXXX, yet it continues to report as a charged-off account each month up until XX/XX/XXXX, which is misleading and violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 1681e ( b ) and 1681i, which require that credit reports be accurate and complete.

Additionally, I have found multiple discrepancies between the credit reports provided by Equifax, Experian and Transunion. According to the information reported : The account is shown as 60 days late in XX/XX/XXXX on Equifax, but it is reported as 30 days late in Experian for the same time period. This is a direct contradiction and creates an inconsistency in how the account is reported to both agencies. 

The report states that the last payment was received in XX/XX/XXXX, but the account was charged off in XX/XX/XXXX, making this information inaccurate and misleading. 

Given these inaccuracies, I request that the account be removed entirely from my credit report, as the continuous and incorrect reporting violates FCRA section 1681i ( a ) ( 1 ), which mandates that information that can not be verified must be removed from a consumers credit report. Furthermore, Regulation V ( XXXX XXXX XXXX ), which implements the FCRA, specifies that furnishers of information must ensure the accuracy and completeness of the information they report. 

This is my third time asking for this account to be investigated and you have failed to find the inaccuracies. I would appreciate a prompt response to this matter, as these errors are negatively impacting my creditworthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
My credit has been in a bad place for years because of companies reporting wrong and reporting the credit bureau things that should long been off my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: CO

Complaint narrative:
Received a letter from IQ DATA XXXX about XXXX XXXX sending debt to collection. Responded with a letter and false accusations from the company send on XX/XX/XXXX paid priority shipping and got notified XX/XX/XXXX that it was signed and received by debt collector. On the letter they send us it states they will stop collections on any amount you despite until send you information that shows you owe the debt. It is now XX/XX/XXXX and still no letter or update from this. Please contact us asap so we can get this resolved. Thank you! 

Reference number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I have submitted a formal report via email to clarify the misinformation provided by the credit bureau. This dispute concerns an error on my credit card statement. Although I have requested an investigation, the issue has been overlooked by the company. I request your prompt review of this matter and ask that you provide a confirmation receipt as proof of acknowledgment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: RI

Complaint narrative:
I am writing to file a formal complaint against Equifax a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. I sent a letter to Equifax notifying them of the reinsertion of XXXX XXXX  account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, Equifax has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. Equifax actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Equifax they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: EQUIFAX, INC.
State: IL

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite numerous disputes and opportunities to correct the inaccuracies on my credit report, you have failed to comply.

Company response to consumer: Closed with explanation