vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-14 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: TX

Complaint narrative:
I want reported accounts removed XXXX XXXX  ( {$4800.00} ) and ( {$1100.00} ) with transunion and experian XXXX XXXX {$750.00} with equifax XXXX XXXX XXXX  {$250.00} all 3 bureaus i have sent multiple disputes

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 2025-02-14 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: TX

Complaint narrative:
I want reported accounts removed XXXX XXXX  ( {$4800.00} ) and ( {$1100.00} ) with transunion and experian XXXX XXXX {$750.00} with equifax XXXX XXXX XXXX  {$250.00} all 3 bureaus i have sent multiple disputes

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 2025-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Danco Financial Services, LLC
State: LA

Complaint narrative:
I am submitting this formal complaint regarding inaccurate and unfair credit reporting practices by Danco Financial Inc concerning my account.

The issue stems from the creditors failure to update or remove the account after issuing a 1099-C ( Cancellation of Debt ) for the tax year 2020. Despite my efforts to resolve this matter directly with the creditor and through disputes with the credit bureaus, the issue remains unresolved.

Specifically, I believe the following violations may have occurred : Failure to accurately report the status of a debt that has been canceled or written off.

Potential violation of the Fair Credit Reporting Act ( FCRA ) regarding the accuracy and timeliness of reported information.

To resolve this issue, I am requesting that Danco Financial be required to remove this inaccurate information from my credit reports with all major credit bureaus ( Experian, Equifax, and TransUnion ). 

I am providing the following supporting documentation for your review : Copy of the 1099-C issued by Danco Financial for tax year 2020, which confirms that the debt was canceled and should no longer be reported as active.

Any responses or lack thereof from the creditor or credit reporting agencies.

This inaccurate reporting is negatively affecting my credit score and financial standing. I respectfully request the CFPBs assistance to investigate this matter and ensure that Danco Financial complies with all applicable consumer protection laws.

Thank you for your time and attention to this important matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
On XX/XX/year> I got a pending transaction for {$440.00}, I immediately notified Barclays that I did not make any purchases from XXXX XXXX and it was a fraudulent charge. They told me it would be taken care of and not to worry as it would be removed from my statement. On XX/XX/year> the charge is added once again to my account. I contact them immediately once again and am told sorry they will look into it and get back to me and only to pay the statement balance minus the fraudulent charge. I hear nothing back and stop using the card while waiting. Finally on XX/XX/year> I get a late fee charge and finally open a dispute since they would never get back to me after telling me they were going to send me information on the charge twice when I tried calling and getting an answer. This goes on for another XXXX months while they tell me sorry you are now responsible for the charge as well as XXXX of dollars in late fees and a {$99.00} annual fee for a card I cant use. Now I see I have a hit on my credit report for past due which has lowered my score by over XXXX points.

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 2025-02-14 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: IL

Complaint narrative:
Complaint Against Experian for FCRA Violations Failure to Investigate Disputes I am filing this complaint against Experian for failing to properly investigate my credit disputes, as required under the Fair Credit Reporting Act ( FCRA ) Section 611. 

I submitted a dispute to Experian regarding XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and inquiry XXXX XXXX, stating that they were inaccurate and must be removed. Under the FCRA, Experian is legally required to conduct a reasonable investigation and respond within 30 days. However, Experian failed to investigate my dispute and did not provide a proper resolution. 

Furthermore, I have followed up multiple times, yet Experian continues to report inaccurate information in violation of federal consumer protection laws. This failure has negatively impacted my credit, causing financial harm. Without even investigating my disputes!

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 2025-02-14 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 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 2025-02-14 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: United Collection Bureau, Inc.
State: MS

Complaint narrative:
My personal information was leaked out due to XXXX XXXX XXXX. I have a collection for the amount of {$2000.00} being reported on my report from UCB Collections on the date of XX/XX/year>. This charge is out of my knowledge. My information has been getting used without my consent for years. I also see addresses on my report that arent familiar. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX is not my address nor are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I also see names that are not my name on my report. These names that are showing up on my credit is not correct. My name XXXX XXXX XXXX XXXX. My name XXXX XXXX, XXXX. My name isnt XXXX XXXX, XXXX  nor is it XXXX XXXXXXXX, XXXX. All these unfamiliar names were used. I also have collections from XXXX XXXX XXXX Opened XXXX {$1400.00} XXXX XXXX XXXX Opened XXXX {$1400.00} XXXX XXXX XXXX Opened XXXX {$2100.00} XXXX XXXX XXXX Opened XXXX {$2100.00} XXXX XXXX XXXX Opened XXXX {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: MS

Complaint narrative:
My personal information was leaked out due to EQUIFAX XXXX XXXX. I have a collection for the amount of {$2000.00} being reported on my report from XXXX Collections on the date of XX/XX/year>. This charge is out of my knowledge. My information has been getting used without my consent for years. I also see addresses on my report that arent familiar. XXXX XXXX XXXX XXXX, TN XXXX is not my address nor are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I also see names that are not my name on my report. These names that are showing up on my credit is not correct. My name isnt XXXX XXXX XXXX. My name XXXX XXXX, XXXX. My name XXXX XXXX XXXX, XXXX nor is it XXXX  XXXX, XXXX. All these unfamiliar names were used. I also have collections from XXXX XXXX XXXX Opened XXXX {$1400.00} XXXX XXXX XXXX Opened XXXX {$1400.00} XXXX XXXX XXXX Opened XXXX {$2100.00} XXXX XXXX XXXX Opened XXXX {$2100.00} XXXX XXXX XXXX Opened XXXX {$2100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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:
The items listed were not properly verified I did not receive correspondence stating how the items were verified. 
# 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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute an item on my credit report that I believe is incorrect. After reviewing my recent credit report, I found the following discrepancy : * Account Name : Caine & Weiner * Discrepancy/Issue : according to the fair credit reporting act, account listed that doesnt belong to me. 
I have enclosed the following documents to support my dispute : * Copy of your credit report highlighting the disputed entry I kindly request that you investigate this matter and remove or correct the disputed information as soon as possible. Under the Fair Credit Reporting Act ( FCRA ), I understand that you are required to complete your investigation within 30 days. Please provide me with written confirmation of the results of your investigation and any corrections made to my credit report. 
If you require further information or clarification, I am happy to provide additional details. Thank you for your attention to this matter. 
Sincerely, XXXX XXXX : Copy of Credit Report, Supporting Documents

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I asked Justice Federal Credit Union for a 10-99 C since they charged-off the debt and claimed it as a loss and they failed to do so. The information reported regarding the above-referenced account is inaccurate and incomplete. A charge-off is being reported without any corresponding issuance of a Form 10-99 C the creditor, which raises questions about the validity of the alleged charge-off. According to IRS regulations, when a creditor cancels a debt of {$600.00} or more, they are required to issue a Form XXXX to the debtor for tax reporting purposes. The absence of such a form suggests that no valid cancellation of debt has occurred, and thus the charge-off reporting be improper.

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 2025-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: OneMain Finance Corporation
State: WA

Complaint narrative:
In XX/XX/XXXX, a CFPB complaint was filed against XXXX XXXX and in their response to our complaint XXXX XXXX specifically states that they " purchased '' the contract from XXXX XXXX XXXX in XXXX XXXX, XXXX. 

We received correspondence from XXXX XXXX in the mail in XX/XX/XXXX that provided a photocopy of the contract from XXXX XXXX XXXX and a transaction history of the account in question. This documentation does not show that XXXX XXXX has any right to collect any debt as they have not provided a contract that has both MY wet ink signature and THEIR wet ink signature. Also, a Promissory note was requested and not provided. The transaction history does not show that XXXX XXXX put forth even {$0.00} of their own funds to " loan '' me any money to purchase the vehicle. 

I reached out to XXXX XXXX on XX/XX/XXXX due to an email I received. I spoke with XXXX XXXX in the XXXX XXXX XXXX. I have sent an email copy, and will send the paper copy that is notarized to XXXX XXXX, requesting information that shows as a " third party collector '' they have the right to collect any debt from me. XXXX informed me on the call that since there is a balance on the account, they still will attempt to collect on it. I requested the XXXX XXXX XXXX XXXX XXXX  ) and a copy of the contract that has both MY wet ink signature and THEIR wet ink signature to show that it is a valid debt. XXXX informed me on the phone call that he could not answer my questions and that I could speak to a Supervisor. He said he was transferring the call and the line disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
Under the FCRA, I can seek statutory damages if a creditor furnishes inaccurate information about a debt, such as incorrectly reporting a charge-off while still claiming you owe the 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 non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-02-14 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: TX

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is inaccurate, 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, Experian '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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts : XXXX XXXX XXXX XX/XX/year> Original creditor XXXX XXXX XXXX  {$910.00} XXXX XXXX XXXX XXXXXX/XX/year> Original creditor : XXXX XXXX {$1000.00} XXXX XXXX XXXX XX/XX/year> Original cred : XXXX {$170.00} XXXX & XXXX XX/XX/year> XXXX XXXX : XXXX XXXX XXXX {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: TX

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is inaccurate, 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, Experian '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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts : XXXX XXXX XXXX XX/XX/year> Original creditor XXXX XXXX XXXX  {$910.00} XXXX XXXX XXXX XXXXXX/XX/year> Original creditor : XXXX XXXX {$1000.00} XXXX XXXX XXXX XX/XX/year> Original cred : XXXX {$170.00} XXXX & XXXX XX/XX/year> XXXX XXXX : XXXX XXXX XXXX {$790.00}

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 2025-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: MO

Complaint narrative:
My personal and financial information was compromised without my authorization. The Family Education Rights and Privacy Act, FERPA, protects the confidentiality of student records. This breach is a clear violation of FERPA, and your responsibility to safeguard my information. I am writing to formally file a complaint under the Family Education Rights and privacy Act ( FERPA ) regarding the unauthorized access to my personally identifiable information by XXXX XXXX and his employees through the Department of Education 's databases. 
On or about XX/XX/year>, I became aware that individuals associated with, XXXX XXXX, who are neither school officials nor authorized representatives, accessed databases that include my personal education records without my knowledge or consent. I am aware that usage of database is monitored, recorded and/or subject to audit. I did not provide any authorization for such access, and I believed this constitutes a violation of my FERPA rights.

To my understanding, the Department of Education is required to safeguard students ' personal records and only grant access to unauthorized parties under FERPA guidelines. The unauthorized access by private individuals or corporate representatives is a serious breach of these protections. 
I respectfully request that your office investigate this matter and take appropriate action to ensure my personal information remains protected. Please provide me with any relevant findings, corrective actions, and steps, I can take to prevent further unauthorized access to my records.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The information currently being reported is not in compliance with the Fair Credit Reporting Act ( FCRA ) guidelines, and it fails to meet the standard of maximum possible accuracy. As such, I am requesting that you immediately remove this inaccurate item 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