vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-15 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Dispute of Charge-Off Under FCRA 1681i I am writing to formally dispute a charge-off listed on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) 1681i. After reviewing my credit report, I have identified inaccurate and/or unverifiable information that must be investigated and corrected or removed. 

The specific account in question is : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Under FCRA 1681i, I have the right to dispute any inaccurate, incomplete, or unverifiable information on my credit report. If the disputed charge-off can not be verified with complete and accurate records from the original creditor, it must be removed from my credit report. 


I formally request that you : 1. Conduct a reasonable reinvestigation of this charge-off.

2. Provide me with written confirmation of the results of your investigation.

3. Remove or correct the charge-off if it can not be verified as accurate and complete.

4. Provide me with an updated copy of my credit report reflecting any changes.

As required by FCRA 1681i, this dispute must be resolved within 30 days. If the charge-off can not be verified, I expect its immediate removal. Failure to comply with these requirements may result in further action to enforce my rights under federal law.

Please confirm receipt of this dispute and provide me with updates regarding the investigation process. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-02-15 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:
My SSN has been used as a personal gain. I have reported the criminal activity to the appropriate authorities. My file keeps showing over time FCRA violations : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) The accounts are : XXXX XXXX : # XXXX : Opened : XX/XX/XXXX : {$2000.00} XXXXXXXX XXXX XXXX  : Opened : XX/XX/XXXX : {$160.00} XXXX. XXXX XXXX : Opened : XX/XX/XXXX : {$970.00} XXXX. XXXX XXXX XXXX  : Opened : XX/XX/XXXX : {$250.00}

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 2025-02-15 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: NC

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2025-02-15 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: NC

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2025-02-15 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: NC

Complaint narrative:
My SSN has been used as a personal gain. I have reported the criminal activity to the appropriate authorities. My file keeps showing over time FCRA violations : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) I am requesting the fraudulent items are removed immediately : XXXX. XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX XXXX XXXX XXXX $ XXXX : XX/XX/XXXX XXXX. XXXX : $ XXXX : XX/XX/XXXX XXXX. XXXX XXXX : {$4700.00} : XXXX? 

Unauthorized Inquiries : XXXX XXXX  : XX/XX/XXXX ; XXXX XXXX XXXX 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 2025-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
On XX/XX/year> I reached a verbal agreement via telephone with Spring Oaks Capital Re : XXXX representative was XXXX. The agreement was I pay {$2000.00} of the {$3200.00} debt and the account would be SETTLED and closed. I paid it. I was promised I did not owe anything on this account and they would not report to the credit bureau. 

On XX/XX/year> I get an email saying I owe {$1200.00} and I need to pay. They breached the agreement took my money. This is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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:
I am filing a complaint against Equifax for failing to properly 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 2025-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
I contacted XXXX & XXXX that it was not constitutional to report medical debt on credit report and they refused to remove collections XXXX XXXX XXXX were also contacted about the removal of this debt being reported and removed from my credit report and they failed to comply with the law. 
Below I have uploaded three medical collections from my XXXX XXXX XXXX credit reports that are being illegally reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: NV

Complaint narrative:
I am requesting to reopen Bank of America dispute ID XXXX ( {$3000.00} ) & XXXX ( {$5700.00} ) Per my credit card agreement, I am seeking arbitration because Bank of America California , National Association ( FDIC XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX www.bankofamerica.com refuses to correct a billing dispute on my bank statement. I formally request from the credit card issuer, merchant, and merchants bank the business opportunity disclosures required by FTC Federal Trade Commission, Rule 16 C.F.R. Part 437 & 15 U.S.C. 41-58. and the Earnings claim statement required by law. The Commission has extensive law enforcement experience challenging misleading earnings claims under section 5 of the FTC Act, 15 U.S.C. 45 I was never issued an earnings claim statment nor a business opportunity disclosure. This begs the question of the legitimacy of the merchant and the reputation of the merchant 's bank not knowing their customer 's business and not proactively protecting the market from financial crimes and reducing the risk of fraud with proper screening and diligence. Per the XXXX XXXX XXXX XXXX, I request a recall and a hold harmless letter from Bank of America.

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 2025-02-15 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: MI

Complaint narrative:
They aren't investigating my disputes at all. They refuse to investigate them. 
I have sent multiple police reports and cfpb fraud affidavits concerning all Department of Education XXXX accounts for years. They will not investigate my disputes. They only quickly say verified. Now their are accounts that say XXXX. I have no accounts with them. You cant verify fraud. You cant verify accounts that arent mines. I have sent multiple account disputes concerning these student loans. I have no student loans. Ill keep disputing these accounts.

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 2025-02-15 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 continues to certify an incorrect debt reprinted by XXXX XXXX XXXX on behalf of my former leasing company, XXXX XXXX. Experian is now reporting and FALSE home address for me of XXXX XXXX XXXX XXXX, XXXX, XXXX. I have NEVER lived at this address. This company is accepting inaccurate information from the debt collection agency on behalf former leasing company. I pay my debts. This is WRONG! They are negatively impacting my credit. Where is the consumer protection? This XXXX address must be removed immediately and Experian must remove this inaccurate report. The leasing company had a year to contact me to review this alleged liability. Under their agreement they indicated that they required a year to review accounting. They contacted me beyond that year per the lease and alleged that a debt was on file. Their office told me otherwise and they had a year to address that. I provided notice. They didnt not process it and I was required to produce it again. This is wrong. Please remove this erroneous address and inaccurate 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 2025-02-15 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:
The Fair Credit Reporting Ac

t ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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:
The Fair Credit Reporting Ac

t ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-15 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-02-15 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-02-15 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: TX

Complaint narrative:
The Fair Credit Reporting Ac

t ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX sold the account to Shellpoint in XXXX XXXX. I made a payment of {$1300.00} in XXXX for the month of XXXX which did to post to the account but cleared my bank. I have provided them with proof of payment. They sent a payment history that did not show the payment at all and said the issue was resolved. I have called this company MULTIPLE times trying to get this corrected since XX/XX/XXXX. The first call, I was told the would get straightened out. Since then, I have call every other month only to be told to call back. It first showed up on my credit report in XX/XX/XXXX. 
This loan was also part of a bankruptcy at one point and I was also told, it should not report at all to my credit bureau. I want this completely removed but more importantly, I need this loan to reflect the correct month due. I typically pay my mortgage between the XXXX XXXX XXXX XXXX of the month. I have not been 30 days past due. 
The payment I made today says it for XX/XX/XXXX, when if my payment had posted from XX/XX/XXXX in the amount of {$1300.00}, the payment I made today would be for XX/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 2025-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Why does Wells Fargo make every effort to create financial detachment between me and my husband? Is the goal to prove we are not legally married by disconnecting financial transactions in the ach system? My husband issued check XXXX to pay for my XXXX XXXX  XXXX XXXX policy. I am the owner and beneficiary of this policy and my husband is the insured. Policy number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I discovered recently that the check image is incomplete on the back of check XXXX. The stamp indicates XXXX XXXX  XXXX is paying Wells Fargo N.A. directly from a XXXX XXXX  XXXX account. The information required by check XXXX is missing on the check image. Where is the date and time of deposit, the payee account information, the payer account number? XXXX permitted withdrawal against check XXXX against my husbands ledger but there is no information to show in black and white to establish the flow of my husbands payment in the clearing house system. The check 21 Act specifically states that a paper check transformed into an electronic check must contain specific information to be legal. XXXX XXXX  XXXX can state in the event of the death of my husband that the policy was not paid because the payment was credited to a different account and I would have to prove otherwise. In the meantime someone else would be receiving the death benefit, not me. Without a proper legal representation on the check image indicating the transaction details of the payment made, XXXX XXXX XXXX  could stall the death benefit or state they never received the payments or even state that I do not have a familiar relationship to my husband. Am I supposed to have a crystal ball to read code and account numbers in the ACH system being used for financial transactions on personal paper checks issued? Wells Fargo did not answer my previous complaint because they posted an unreadable file for XXXX. See attached. Wells Fargo continues to take every opportunity to hide what they do with the money received concerning my personal marital finances. Wells Fargo needs to provide in writing the details of check XXXX transaction and an explanation why they disregard check 21 act.

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 2025-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Quick Debt Services LLC
State: NY

Complaint narrative:
Money have been taken out of my account multiple times

Company response to consumer: Untimely response