vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: NC

Complaint narrative:
Equifax is failing to investigate and accept documentation from the FTC. The documentation provided directly from the FTC they responded its invalid. On XX/XX/year> at XXXX est I spoke with XXXX and he told me to file the ftc report AGAIN. So that it will match the month. THIS IS NOT ABOUT AN INQUIRY. THIS IS ABOUT THE XXXX ACOUNT LISTED ON MY REPORT, NOT INQUIRY. XXXX has moved the account already after following protocol. I have reached out to a lawyer for consumer protection and will be taking this to court as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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 a victim of identity theft, and fraudulent accounts continue to appear on my credit report despite my previous disputes. I filed an FTC Identity Theft Report ( # XXXX ) and submitted disputes to the credit bureaus. As a result, some fraudulent accounts were removed, but XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remain, despite clear evidence that I did not open them. Additionally, there are fraudulent inquiries associated with these accounts. 

Under FCRA 605B ( 15 U.S.C. 1681c-2 ), credit bureaus are required to block fraudulent information upon receiving an identity theft report. By keeping these unauthorized accounts on my file, the bureaus are violating my rights under federal law and causing me financial and emotional distress. I am a college student, and this fraudulent activity is severely impacting my ability to build and maintain good credit. 

Furthermore, I am requesting a Method of Verification ( MOV ) under FCRA 611 ( a ) ( 7 ). If these bureaus claim the accounts are valid, they must provide documented evidence of how they verified the accounts as belonging to me, including original applications with my signature. If they can not provide this, they are legally obligated to delete them. 

The following fraudulent accounts remain on my credit report and were not opened, authorized, or initiated by me : - XXXX XXXX Account XXXX XXXXXXXX, opened XX/XX/year>, balance {$730.00} - XXXX XXXX ( XXXX XXXXXXXX XXXX ) Account XXXX XXXXXXXX, opened XX/XX/year>, balance {$6800.00} - JXXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX opened XX/XX/year>, balance {$12000.00}

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 2025-01-29 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: MI

Complaint narrative:
I am a victim of identity theft, and fraudulent accounts continue to appear on my credit report despite my previous disputes. I filed an FTC Identity Theft Report ( # XXXX ) and submitted disputes to the credit bureaus. As a result, some fraudulent accounts were removed, but XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remain, despite clear evidence that I did not open them. Additionally, there are fraudulent inquiries associated with these accounts. 

Under FCRA 605B ( 15 U.S.C. 1681c-2 ), credit bureaus are required to block fraudulent information upon receiving an identity theft report. By keeping these unauthorized accounts on my file, the bureaus are violating my rights under federal law and causing me financial and emotional distress. I am a college student, and this fraudulent activity is severely impacting my ability to build and maintain good credit. 

Furthermore, I am requesting a Method of Verification ( MOV ) under FCRA 611 ( a ) ( 7 ). If these bureaus claim the accounts are valid, they must provide documented evidence of how they verified the accounts as belonging to me, including original applications with my signature. If they can not provide this, they are legally obligated to delete them. 

The following fraudulent accounts remain on my credit report and were not opened, authorized, or initiated by me : - XXXX XXXX Account XXXX XXXX, opened XX/XX/year>, balance {$730.00} - XXXX XXXX ( XXXX XXXXXXXX XXXXk ) Account XXXX XXXX, opened XX/XX/year>, balance {$6800.00} - XXXX XXXX XXXX ( XXXX ) Account XXXX XXXX opened XX/XX/year>, balance {$12000.00}

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 explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I recieved a notification in an email to check my messages with my Macy 's XXXX XXXX Account. I logged into my account on my laptop and found one notification, and it simply said, " Account Closed ''. I recieved no warning from Macy 's whatsoever that I needed to utilize my account, I had not been able to aford to use the account since I stopped working due to extreme illnesses : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX, XXXX, and XXXX XXXX, a XXXX on my XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had a XXXX in XXXX and often forget things like using a credit card I don't have money to use, but had I gotten a warning, I would have put something on the credit card to avoid my account being closed, ultimately resulting in damaging my credit score. I see many specialists here where I live, it's all I can do to remember to take all XXXX of my medications, let alone make a purchase on my Macy 's account. I feel it is extremely unfair that I wasn't warned first. Thank you.

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 2025-01-29 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: NY

Complaint narrative:
I recently reviewed my credit report and noticed several hard inquiries that I did not authorize. These inquiries have negatively impacted my credit score. 

The unauthorized inquiries are as follows : XXXX Reported on XX/XX/year> XXXX XXXX  Reported on XX/XX/year> XXXX XXXX ( XXXX ) Reported on XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX Reported on XX/XX/year> XXXX Reported on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX Reported on XX/XX/year> XXXXXXXX XXXX Reported on XX/XX/year> XXXX XXXX Reported on XX/XX/year>XXXX XXXX XXXX Reported on XX/XX/year> XXXX XXXXXXXX Reported on XX/XX/year> I did not apply for credit, loans, or services with these companies, nor did I give them permission to check my credit. 

Upon discovering this, I took the following actions : I disputed the inquiries with the credit bureaus. 
I attempted to contact the companies involved for clarification. 
I am requesting that these unauthorized hard inquiries be removed from my credit report immediately, as they were not initiated by me. Please investigate this matter and provide a resolution as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: NY

Complaint narrative:
I recently reviewed my credit report and noticed several hard inquiries that I did not authorize. These inquiries have negatively impacted my credit score. 

The unauthorized inquiries are as follows : XXXX Reported on XX/XX/year> XXXXXXXX XXXX  Reported on XX/XX/year> XXXX XXXX ( XXXX ) Reported on XX/XX/year> XXXX XXXX Bank XXXX XXXX XXXX on XX/XX/year> XXXX Reported on XX/XX/year>XXXX XXXX XXXX XXXX Reported on XX/XX/year> XXXXXXXX XXXX Reported on XX/XX/year> XXXX XXXX Reported on XX/XX/year>XXXX XXXX XXXX  Reported on XX/XX/year> XXXX XXXXXXXX Reported on XX/XX/year> I did not apply for credit, loans, or services with these companies, nor did I give them permission to check my credit. 

Upon discovering this, I took the following actions : I disputed the inquiries with the credit bureaus. 
I attempted to contact the companies involved for clarification. 
I am requesting that these unauthorized hard inquiries be removed from my credit report immediately, as they were not initiated by me. Please investigate this matter and provide a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: NY

Complaint narrative:
I recently reviewed my credit report and noticed several hard inquiries that I did not authorize. These inquiries have negatively impacted my credit score. 

The unauthorized inquiries are as follows : XXXX Reported on XX/XX/year> XXXXXXXX XXXX Reported on XX/XX/year> XXXX XXXX ( XXXX ) Reported on XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year> XXXX Reported on XX/XX/year>XXXX XXXX XXXX XXXX Reported on XX/XX/year> XXXXXXXX XXXX Reported on XX/XX/year> XXXX XXXX Reported on XX/XX/scrub>XXXX XXXX XXXX XXXX Reported on XX/XX/year> XXXX XXXXXXXX Reported on XX/XX/year> I did not apply for credit, loans, or services with these companies, nor did I give them permission to check my credit. 

Upon discovering this, I took the following actions : I disputed the inquiries with the credit bureaus. 
I attempted to contact the companies involved for clarification. 
I am requesting that these unauthorized hard inquiries be removed from my credit report immediately, as they were not initiated by me. Please investigate this matter and provide a resolution as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have two accounts with XXXX XXXX XXXX XXXX XXXX. a XXXX account, and a XXXX College savings account. Well i deposited money in both of the accounts. had a balance of {$220.00} in my XXXX account and {$790.00} in my college savings account. then the bank locked both accounts and said they were under review. this is last year back in XXXX and XXXX when i no longer had access to my funds. I opened the account on line and work seven days a week so I'm unable to make it to the back before it closes. 
they stated that i will need to come in to the bank to unlock my account. i told them im not going to have the time and to just close my account and send me my money. they stated that would not happen, that they would just keep my money

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 2025-01-29 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: WV

Complaint narrative:
Dispute Description for CFPB Complaint XXXX Collections Account ( Account # XXXX ) I am formally disputing the collections account reported by XXXX, account number XXXX. This account has been previously disputed, yet it remains on my credit report despite the lack of proper validation. I am requesting immediate removal of this account in accordance with my rights under federal consumer protection laws. 

Legal Basis for Dispute & Removal Request : 1.Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ) Under this statute, furnishers of information ( such as XXXX ) are required to conduct a reasonable investigation when an account is disputed. Since this account has already been disputed, I demand proof that a legitimate and thorough investigation was conducted. 
If XXXX can not provide sufficient evidence of the debts validity, the account must be removed immediately.

2.Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) Debt collectors must provide verification of the debt upon request. If XXXX or its assigned collection agency failed to provide accurate validation, this account should be deemed invalid and removed. 
3.Consumer Financial Protection Bureau ( CFPB ) Regulations The CFPB prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ). If XXXX has continued to report this account without proper validation, it violates consumer rights under federal law.

Request for Immediate Action : Due to the repeated failure to validate and the continued harm this account is causing, I am demanding the immediate deletion of this account from my credit report. If this issue is not resolved promptly, I am prepared to escalate my complaint through legal avenues, including further regulatory action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Well 's Fargo owes me a refund paid out XXXX only owe XXXX. Also paid court fees and lawyer fees. Court dismissed this father passaway.

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 2025-01-29 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: NM

Complaint narrative:
I'm submitting this complaint because I have a debt collection agency that is not mine. This collection is from XXXX XXXX for the amount of {$1000.00}, and my rights under the FCRA 15 U.S. Code 1692c are being violated. I do not owe this debt and I'm disputing it. They have never verified this debt.

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 2025-01-29 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Dispute Letter Regarding Noncompliance and Negligence Under 15 U.S.C. 1681o I am writing to formally dispute the inaccurate and negligent handling of my credit information, which has caused harm to my financial standing. Pursuant to 15 U.S.C. 1681o, I am holding your institution liable for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ).

Details of Dispute : Issue : [ Describe the specific negligence, such as failure to investigate a dispute, failure to correct an error, unauthorized disclosure, or mishandling of data. ] Affected Account ( s ) : [ List account names, numbers, or institutions involved. ] Date of Incident : [ Provide the date when the issue occurred or was discovered. ] Violation of 15 U.S.C. 1681o : Under 15 U.S.C. 1681o, a credit bureau or entity that fails to comply with the FCRA due to negligence is liable for actual damages suffered by the consumer, as well as potential legal costs and attorney fees. Your failure to [ explain the specific noncompliance, such as failing to investigate or correct an error ] constitutes a direct violation of this statute.

Requested Resolution : I demand the following actions be taken immediately : 1. Correction or removal of the inaccurate information from my credit file.

2. A written explanation of the steps taken to resolve this dispute.

3. Compensation for damages incurred due to your negligence ( if applicable ).

If you fail to take corrective action within 30 days, I will be left with no choice but to pursue further legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action for damages under 15 U.S.C. 1681o.

Please respond in writing to confirm your compliance with this request. A failure to act promptly will further demonstrate willful disregard of your legal obligations. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: MA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: AL

Complaint narrative:
To Whom It May Concern, I am filing a formal dispute regarding Equifaxs mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPBs recent lawsuit highlights systemic issues with Equifaxs handling of consumer disputes, which are directly relevant to my experience. 

I previously disputed the following information on my Equifaxs credit report : XXXX and associates account number XXXX Eastern Account Systems account number XXXX Despite submitting evidence to support my dispute, Equifax failed XXXX conduct a proper investigation. Specifically : 1. Sham Investigations : Equifax failed to convey the full details and supporting documentation of my dispute to the data furnisher. Instead, they appear to have accepted the furnishers response without question, even though it contradicted the evidence I provided. 

2. Failure to Provide Investigation Results : The response I received from Equifax vague, confusing, and did not provide specific details of their investigation or evidence supporting their decision. 


Potential Improper Reinsertion of Inaccurate Information : I am concern Equifax may have improperly reinserted information I previously disputed and believed to be corrected.

Equifaxs actions appear to violate the following : FCRA 1681i ( a ) : Failure to conduct reasonable investigations of disputed information.

FCRA 1681i ( 5 ) ( B ) : Improper reinsertion of previously deleted information without proper notice.

CFPA Prohibitions : Engaging in unfair acts or practices by failing to ensure accurate investigations and providing misleading or ambiguous responses to consumers.

1. Reinvestigate the Disputed Information : Conduct a proper and thorough investigation of the disputed account and provide detailed results of your findings.

2. Remove Inaccurate or Unverifiable Information : If Equifax the furnisher can not verify the disputed account with evidence, delete it from my credit report immediately.

3. Provide Investigation Details : Share all documentation you used to verify the disputed account, including records from the data furnisher.

4. Ensure Compliance with the Law : Prevent improper reinsertion of any previously disputed or deleted information.

If Equifax can not provide adequate documentation or results of a legitimate investigation, I will escalate this matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action under the FCRA and CFPA. 

I look forward to receiving a response within 30 days, as required under the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: RI

Complaint narrative:
Nelnet has been calling my mother numerous accounts, borderline harassment at this point, then they proceeded by releasing information without me even signing a release form, saying that they could talk to my mother the only one that has authorization to talk to them would be my spouse. They released information to my mother that should not have been released.

Company response to consumer: Closed with explanation