vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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: MA

Complaint narrative:
I am filing a complaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: TX

Complaint narrative:
On XXXX XXXX I Paid off my balance to. Discover card in the quest to get a new mortgage. To date it has still NOT been updated with the credit reporting agencies. The irony of this is that if I were to miss a payment they would IMMEDIATELY report to all the reporting agencies which proves they have the ability to report both positive and negative information immediately. 
There should be a rule in place that requires creditors to post LARGE payments immediately vs. waiting to do things in a batch. I still can not get my loan approved because I'm waiting on Discover to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I am being pursued for Rent for a place they apparently have in my name that I was not a leasee or tenant of at the time and dates they are claiming.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: MO

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my 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 explanation
Consumer complaint received 2025-01-24 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: MO

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my 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 explanation
Consumer complaint received 2025-01-24 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX  Subject : Formal Dispute of Inaccurate Information XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute inaccurate and inconsistent information reported by XXXX XXXX XXXX on my credit report. Specifically, they are misrepresenting the date of first delinquency, providing conflicting dates across all three credit bureaus. This inconsistency is clear evidence of their failure to report accurate and uniform data as required by the Fair Credit Reporting Act ( FCRA ). 

I have documented proof that XXXX XXXX XXXX has provided different dates of first delinquency to the three credit bureaus, despite the fact that my actual date of first delinquency was XX/XX/year>. This discrepancy is misleading and suggests an unlawful attempt to re-age the account, which is a violation of federal law. 

I am also aware of the Consumer Financial Protection Bureau 's ( CFPB ) recent lawsuit against the major credit bureaus for failing to properly investigate consumer disputes. This case underscores the importance of compliance with federal regulations and the need for a human investigator to handle disputes such as minenot an automated system or artificial intelligence. 

To resolve this dispute, I demand the following : 1. A human-led investigation into XXXX XXXX XXXX reporting practices for this account. 


2. Immediate correction of the date of first delinquency to XX/XX/year> across all three credit bureaus, ensuring uniformity and compliance with the FCRA. 


3. Removal of any inaccurate or misleading information resulting from this inconsistency. 


4. Written confirmation of the results of your investigation and the corrective actions taken within 30 days of receipt of this letter, as required by the FCRA. 



If this matter is not resolved promptly, I will pursue all available legal remedies, including filing a lawsuit for willful non-compliance with the FCRA. Furthermore, I will report your failure to properly investigate this dispute to the CFPB, Federal Trade Commission ( FTC ), and other appropriate regulatory agencies. 

This is your formal notice of dispute. I expect immediate attention and a fair resolution of this matter. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: NC

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : This account does not belong to me. I did not authorize or verify opening of this account. I have submitted several disputes with the credit bureau requesting additional identifying information and the company has not provided any information that ties this account to me. This account needs to be removed immediately.

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 2025-01-24 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: NC

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account does not belong to me. I did not authorize or verify opening of this account. I have submitted several disputes with the credit bureau requesting additional identifying information and the company has not provided any information that ties this account to me. This account needs to be removed immediately.

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 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
XXXX was looking on computer for hotel pricing. I eantrd to see a price on a discount web site. They Asked for credit card and to see price pushed the discount button to see price immediately I received a confirmation number that I purchasedwhich i did not agree. I called the company immediately and said I did not purchase this. I only want to see the cost and she said I purchased it, even though I didn't. explain to them that it was a mistake and that I did not purchase it, and she said there is a cancellation fee and that they were not going to reverse by purchase at that point. I was not concerned because I knew the would. I called Bank of America stop processing and close my account. The agent said no we have to wait till it's accepted in after it's gone through pending, and then I can put a dispute in. Therefore, I called on Monday like she instructed me and I put a dispute in which they processed as a fraudulent claim. I didn't know the difference between a fraudulent claim and a dispute and I told her to put it through both because I wasn't sure of what my scam was. She put it to a fraud claim and then in XXXX, it was denied as not a fraudulent claim. Then wrote another letter and explain to them. It was a scam and it's a dispute and I never purchased it. It was a mistake and they should be revover my money. I called the company as well and they said no. It ess {$1600.00} charge and it was {$1100.00} cancellation fee and then I would receive the {$600.00} {$500.00} difference that they said they already sent to the bank. I called the bank and they said they knew nothing about It and I re-processed it again and I did receive in XXXX the {$500.00} or maybe it was XXXX back from the bank also spoke to someone and he said that they were trying to recover the money from the institution. The scam company had already changed the name three times and the bank was unsuccessful. Again the bank fenirf my claim. Had the bank stop payment the minute I called them and close my card, we would not have this problem. I believe the bank made a mistake and they should reimburse me for my cancellation fee because it shouldn't have ever been paid in the first place.

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 monetary relief
Consumer complaint received 2025-01-24 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: GA

Complaint narrative:
I kindly request the deletion of this account from my credit record, as it does not pertain to me. Please conduct an investigation to address any other potential issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NH

Complaint narrative:
Wells Fargo has been reordering my debit card transactions, often processing the largest transactions first instead of posting them in the order they were made. This practice has caused my account to overdraft unnecessarily, resulting in multiple overdraft fees being charged in a single day. This is despite the fact that, had the transactions been processed chronologically, I would have incurred far fewer ( or no ) overdraft fees. 

For example : On XX/XX/XXXX through XX/XX/XXXX, Wells Fargo resequenced my transactions by prioritizing larger charges over smaller ones. 
As a result, I was charged in overdraft fees, even though my account balance would have covered several smaller transactions had they been processed in the order they occurred. 
This resequencing practice feels deceptive and unfair, as it appears designed to maximize fees at my expense. 

Steps I Have Taken : I contacted Wells Fargo customer service on XX/XX/XXXX to dispute these charges and request a refund. Unfortunately, my concerns were not adequately addressed, and I was told this was standard policy. 
I reviewed Wells Fargos transaction posting policy and found that it does not clearly disclose the impact of resequencing on customers.

Desired Resolution : I request that the CFPB investigate Wells Fargos debit resequencing practices to ensure they are transparent and fair to customers. Specifically, I would like : A refund of the overdraft fees charged to my account as a direct result of resequencing practices.

A review of Wells Fargos policies to prevent such practices from causing unnecessary financial harm to other customers.

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 monetary relief
Consumer complaint received 2025-01-24 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: IN

Complaint narrative:
My personal information was involved in a data breach. I have many spam calls and reporting to my credit profile. According to the Fair credit reporting act Section 609 ( a ) ( 1 ) ( A ) and us code 1681e, you are required by federal law to verify through the physical verification of the original signed consumer contract- any and all accounts you post on a consumer report. Otherwise, anyone paying for your reporting services could fax, mail, email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the accounts listed below. I demand the accounts to be removed immediately. This is causing many difficulties in my life. *please remove all non account holding inquiries over 30 days old * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: TX

Complaint narrative:
I have been on in-school deferment with MOHELA, for over a year I havent been in school in two years. They will not update this I need to be on a payment plan. IDR application has been in review for months. I have called numerous times last year with no help they keep saying ok everything is good it should be updated in 10 business days. MOHELA is an incompetent company they do not help at all. I need to be on a payment plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: NJ

Complaint narrative:
I am filing a complaint against Trans Union for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Trans Union consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C S 1681i, which mandates a reasonable investigation of disputes. Furthermore, Trans Unions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C SS 536 ( A ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I report as inaccurate and Please remove the below accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-24 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: Kriya Capital, LLC
State: TX

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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Citi AAdvantage card was 139 days past due by choice because I had a Citi Best Buy account fraudulently opened and when I disputed ownership they sold it. I needed to obtain an Attorney to dispute with XXXX who neglected to respond to my dispute paperwork and attempted a legal action. 
When the AAdvantage card came to be reissued Citi declined to send a new card on the basis of the fraudulent Best Buy. However, I was still getting charged the same interest and fees as if the account was usable. I decided to call between 120-189 days of delinquency to request a settlement ( per interest and fees accumulating as if the account was active ). 
I have only screenshot the last month of calls- please be aware, the full 139 days delinquent have had the same amount of calls. In XXXX XXXX XXXX XXXX I have received 63 calls. Per 7 dials in 7 days Citi has been grossly negligent in their dialer handling. When I called to settle this morning the account manager said they used an autodialer- the only way to not exceed CFPB limit would be to go the DNC route. 
Agent settled at 75 % saving me {$580.00} on a bill that wouldnt have been delinquent had my initial dispute not been ignored.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation