vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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: NC

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Over the course of 2 months, I had almost XXXX in all of my accounts- there were several transactions that were not myself. I have reported them to Capital One. 
they have denied the claim 3 times stating that I had money in the account to cover them so it was me. 
I have contacted the merchants and I have no account with them. 

Capital One has made no attempt to contact merchants to verify the information. 
XXXX, XXXX of XXXX XXXX XXXX, XXXX XXXX. 

XXXX serves XXXX. I live in an XXXX  in XXXX XXXX and do not pay utilities. I have sent in my lease with payment history showing Where I live.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: CA

Complaint narrative:
Seeing my report filled with inaccuracies that hurt my score is beyond discouraging. These mistakes are costing me access to better financial options and opportunities that Ive worked hard for. Its exhausting to fight the same battle over and over.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Wells Fargo Card service, with account # XXXX, This account is a charge off account. According to the FCRA charge off account should be treated as GROSS INCOME. Wells Fargo Card service denied me from obtaining a form 1099-C. I have disputed this account several times with XXXX but XXXX SHAM the investigation using stall tactics and verified the account as accurate with no proof of documentation therfore I am asking for a proper investigation under the FCRA guidelines. As a consumer I am obligated to a 1099-C form for this charge off account, if you XXXX can not provide me a copy of a 1099-C please remove this account 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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX  Program : I am writing to complain about how I formally requested a review of my XXXX XXXX XXXX application, which has been denied on multiple occasions. Despite fulfilling all the necessary requirements, including working at eligible schools listed under the XXXX XXXX XXXX XXXX, my application has consistently been rejected. I believe there may be an error in the evaluation process and I kindly request clarification and a resolution. 

The following are the details of my case : My employment at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which is on the list for XXXX XXXX XXXX 
My employment at XXXX of XXXX Ohio from XXXX XX/XX/year>, which is on the list for XXXX XXXX XXXX. 
My employment at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which is on the list for XXXX XXXX XXXX. 

Despite talking to many Aidvantage team members, reviewing my application, and submitting all required documents and confirming my eligibility with each of the schools, I continue to receive a denial of forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: SC

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 
advertent violation or infringement upon my consumer and civil rights

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 2025-01-13 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: OK

Complaint narrative:
They had a date breach and my In formation was sold. I still have the letter from them. Yet they will not remove those student loans have done disputes, a credit freeze, sent letters, etc. Still those student loans are still on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: PA

Complaint narrative:
My right to privacy is protected under laws enacted by Congress to safeguard consumers. By permitting unauthorized access to my financial information, you have not only breached federal statutes but have also trampled on my constitutional rights, causing undue harm and distress.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against Experian. I have encountered significant issues that I believe violate my rights as a consumer under the Fair Credit Reporting Act ( FCRA ), and I am seeking a resolution to the following problems : Inaccurate Information on My Credit Report : I have found several inaccuracies on my credit report provided by all three credit bureaus, including but not limited to incorrect account information, balances, payment history. I have disputed these errors with the bureaus multiple times, but they remain unresolved, which is causing harm to my creditworthiness. 

Failure to Investigate Disputes : After disputing the inaccurate information, I did not receive a fair and thorough investigation as required under the FCRA. The responses I received were either incomplete or failed to provide sufficient details about how the information was verified. I believe that the credit bureaus have not adhered to the required timelines or investigation standards outlined by law. 

Failure to Provide a Copy of My Credit Report : Despite requesting a copy of my credit report under my legal right to obtain one for free once a year, I did not receive the reports in a timely manner. When I finally received the reports, the information was still inaccurate, and the necessary corrections were not made. 

Failure to Remove Negative Information : I have also requested the removal of negative information that was past the legal reporting time limits. The bureaus have failed to remove this information, which continues to impact my credit score negatively, even though it should have been deleted as per the FCRA.

I am requesting that the CFPB investigate these matters and help me resolve my complaints. Specifically, I seek : Immediate correction of the inaccurate information on my credit reports. 
A thorough and transparent investigation of my disputes. 
Compliance with the timelines and processes stipulated under the FCRA for dispute resolution. 
Removal of any outdated or legally unreportable information from my credit files. 
Enclosed are copies of my dispute correspondence with the credit bureaus and any supporting documentation relevant to this complaint. 

Thank you for your attention to this matter. I am looking forward to your assistance in ensuring my rights are protected and that these errors are corrected promptly. 

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 2025-01-13 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-01-13 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-01-13 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: PA

Complaint narrative:
Hi mailed a letter to the credit bureaus to provide information of the debt /collections on my credit report and disputed the accounts. They did not provide the information validating these accounts and didnt not investigate when I submitted 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 2025-01-13 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: PA

Complaint narrative:
Hi mailed a letter to the credit bureaus to provide information of the debt /collections on my credit report and disputed the accounts. They did not provide the information validating these accounts and didnt not investigate when I submitted 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 2025-01-13 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: AZ

Complaint narrative:
Subject : Dispute of Debt and Refusal to Pay To Whom It May Concern, I am writing in response to your attempt to collect a debt allegedly owed by me. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I am formally notifying you that I refuse to pay this debt and dispute its validity.

Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing that they refuse to pay a debt, the debt collector must cease all further communication except to confirm the termination of collection efforts or to notify the consumer of specific legal remedies.

Additionally, under the FCRA and FDCPA, I request the following : Validation of Debt : If you believe this debt is valid, provide complete documentation to prove its legitimacy, including the original creditor, account details, and proof that this debt is collectible under applicable laws. 

Account Name : XXXX XXXX XXXX XXXX Immediate Cessation of Reporting : If you can not validate this debt or establish its legitimacy, you must cease reporting it to any credit reporting agencies, including XXXX, Equifax, and XXXX, as an unverified debt violates the FCRA. 
Notification of Resolution : Confirm in writing that this matter has been resolved and that no further collection actions will be taken.

Any further attempts to collect this disputed debt without proper validation will be considered a violation of my rights under federal law and may result in legal action against your agency. I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general 's office if necessary.

This letter serves as my final notice to dispute and refuse payment of this alleged debt. I look forward to receiving written confirmation of compliance with this request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: RI

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 each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: VA

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 each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"

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 2025-01-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I recently checked my XXXX credit report after not reviewing it for some time. To my surprise, I noticed a Bank of America credit card listed under my name or Social Security Number ( SSN ). I have never opened a Bank of America credit card, so Im unsure how this occurred. This unauthorized credit card record appeared on my report. 

On XX/XX/XXXX, I filed a dispute with XXXX regarding this issue. However, when the dispute results came back on XX/XX/XXXX, they refused to remove this incorrect Bank of America credit card record on my report. 

I contacted Bank of America directly, and they confirmed that I do not have any account or credit card with them. I am requesting that XXXX remove this erroneous Bank of America record from my credit report immediately to prevent it from negatively affecting my credit score.

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 2025-01-13 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: PA

Complaint narrative:
While recently reviewing my Transunion credit report, I noticed that there are some inaccuracies on my credit report that should be removed. I see that the accounts referenced in this complaint have late payments that are reporting negatively and are affecting my credit score. I have sent a debt validation letter to Transunion back in XXXX asking them to provide me with the proper documentation for the listed accounts because they are not my accounts and are the result of identity theft and fraud. They have yet to provide me with this requested information and have since updated the accounts on my report in 2 days as if the accounts are mine. Transunion has falsely updated the listed accounts with late payments that are hurting my credit when in fact the accounts are not my accounts. Transunion has failed to conduct the proper investigation on my dispute request therefore please remove the following accounts from my credit immediately : XXXX XXXX Acct # XXXX {$380.00} All three of these accounts are not my accounts but are reporting late payments on my credit. I am a victim of identity theft, and these accounts were opened fraudulently therefore they should 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