vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: OneMain Finance Corporation
State: MN

Complaint narrative:
I was told I would receive a letter of affidavit showing fraudulent account and did not receive

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: CA

Complaint narrative:
Experian 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 experian, 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 Experian 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 Experian 's inaction violates federal law, and my rights as a consumer.

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 2025-02-05 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: FL

Complaint narrative:
I am disputing these accounts due to severe violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), including the reporting of inaccurate, unverifiable, and unauthorized information that is directly harming my credit profile. The reported data contains false repossession claims, incorrect payment history, fraudulent accounts linked to identity theft, and unverified debt collection activity. These inaccuracies violate federal laws that require accurate and fair reporting. Immediate deletion is required to prevent further damage and legal action. 


Fraudulent & Inaccurate Accounts : XXXX XXXX XXXX XXXX XXXX ( Auto Loan ) - Repossession Reporting Violation Account Number : XXXX Ongoing false reporting since 2019. 
Incorrect balance and last payment date. 
Violation of FCRA & FDCPA due to inaccurate reporting. 
IMMEDIATE DELETION REQUIRED. 
XXXX XXXX ( Secured Loan ) - False Late Payments Account Number : XXXX Reporting past-due payments inaccurately. 
Data unverifiable ; violates 15 USC 1681i, 1681n. 
IMMEDIATE REMOVAL REQUIRED. 
XXXX XXXX XXXX ( Collection ) Account Number : XXXX Reported by unauthorized debt buyer. 
No valid contract, consent, or verification. 
FDCPA Violation : Unauthorized Collection Activity.

DELETE THIS ACCOUNT IMMEDIATELY. 
XXXX XXXX XXXX ( Collection ) Account Number : XXXX Collection activity without consumer validation. 
Repeated false data entries violating UCC & FDCPA. 
IMMEDIATE DELETION REQUIRED. 
XXXX XXXX XXXX ( Collection ) - False Joint Responsibility Account Number : XXXX Incorrectly listed as a joint account with XXXX XXXX. 
UCC & FCRA Violation : False Data Reporting. 
IMMEDIATE DELETION REQUIRED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: FL

Complaint narrative:
I am disputing these accounts due to severe violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), including the reporting of inaccurate, unverifiable, and unauthorized information that is directly harming my credit profile. The reported data contains false repossession claims, incorrect payment history, fraudulent accounts linked to identity theft, and unverified debt collection activity. These inaccuracies violate federal laws that require accurate and fair reporting. Immediate deletion is required to prevent further damage and legal action. 


Fraudulent & Inaccurate Accounts : XXXX XXXX XXXX XXXX XXXX ( Auto Loan ) - Repossession Reporting Violation Account Number : XXXX Ongoing false reporting since 2019. 
Incorrect balance and last payment date. 
Violation of FCRA & FDCPA due to inaccurate reporting. 
IMMEDIATE DELETION REQUIRED. 
XXXX XXXX ( Secured Loan ) - False Late Payments Account Number : XXXX Reporting past-due payments inaccurately. 
Data unverifiable ; violates 15 USC 1681i, 1681n. 
IMMEDIATE REMOVAL REQUIRED. 
XXXX XXXX XXXX ( Collection ) Account Number : XXXX Reported by unauthorized debt buyer. 
No valid contract, consent, or verification. 
FDCPA Violation : Unauthorized Collection Activity.

DELETE THIS ACCOUNT IMMEDIATELY. 
XXXX XXXX XXXX ( Collection ) Account Number : XXXX Collection activity without consumer validation. 
Repeated false data entries violating UCC & FDCPA. 
IMMEDIATE DELETION REQUIRED. 
XXXX XXXX XXXX ( Collection ) - False Joint Responsibility Account Number : XXXX Incorrectly listed as a joint account with XXXX XXXX. 
UCC & FCRA Violation : False Data Reporting. 
IMMEDIATE DELETION REQUIRED.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Dear CFPB, this would be my 5th time trying to get the correct action completed on the 3 major credit agencies ; I have requested that the information on my reports be verified and corrected. But to no fail, nothing has been done. I have asked one of the creators to be verified ( XXXXXXXX XXXX ) ; I am being recorded as a charge-off, which I am not sure how. I traded my car in for another vehicle. XXXX called for a pay-off, which XXXX gave , and I traded the car. A few months later, they called, saying I owed them {$45.00}. I explained I traded the car and also had XXXX investigate, and I was told they cashed the check, so why are they calling you? This is showing up on my credit report for all 3 agencies, and I hold a XXXX XXXX XXXX. I have been passed over for 4 positions, sure to negative information on my credit reports ; I have lost out on the most significant pay days of my career. Now, I am in a lower-paying position due to my credit report. I have tried to remove this account from my report, but I have had no luck, nor can I be provided any reason for this showing up on my reports. Please advise. This has been years in the making!!!!

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 2025-02-05 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
I am writing to formally dispute the reporting of a collections account through Fair Collections and Outsourcing that I believe has been inaccurately attributed to my credit file. Which I believe has been reported in error. Upon reviewing my credit report, I noticed that this collections account does not belong to me and was reported without proper verification. I have never received any notices or communications regarding this alleged debt, which raises concerns about its validity.To resolve this matter, I kindly request the following : A thorough investigation into the accuracy of the reported collections account. 
Verification of the debt, including documentation that proves I am responsible for it.

Immediate removal of this account from my credit report if it is found to be inaccurate or unverifiable.

I have contacted this company on XX/XX/2024 and requested a debt validation document verifying that the debt they are reporting on my credit file is accurate and belongs to me. Please acknowledge receipt of this letter and inform me of the steps you will take to investigate this matter. According to the Fair Credit Reporting Act ( FCRA ), I understand that you are required to investigate my dispute and respond within a reasonable time frame.Thank you for your prompt attention to this matter. I look forward to your response.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am requesting the immediate removal and blocking of the unauthorized accounts from my credit report. I did not approve or create these accounts and am unaware of their origins. Under USC 1681g, I ask that they be removed within 15 days. Please find the enclosed documents for your review.

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 2025-02-05 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: NJ

Complaint narrative:
This letter is a formal demand to dispute and remove the following inaccurate and unverifiable accounts from my credit report. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I am holding you accountable for your failure to meet the required standards for accuracy and proper investigation.

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 2025-02-05 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Here is the list of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: GA

Complaint narrative:
XXXX XXXX  is collecting my data without my knowledge or consent, reporting inaccurate information, not providing a report, has made it difficult to obtain a customer service rep or an actual report. I have requested a freeze and also to stop collecting my information and distributing it to any Third-party, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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 formally disputing the following negative items on my credit report : XXXX XXXX XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-02-05 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: NC

Complaint narrative:
Today I discover my personal information is a part of national data breach, ticket master and Equifax data breach. I am so confused that my personal information has been exposed .to the public. The protection of my personal has been compromised. There is no privacy for any consumer. Due to the fact that my personal information has exposed I am demanding for a 605 B Block which allows me as a consumer to block all account that are in question. fetti-account number XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JPMorgan Chase Bank , N.A . ( " JPM '' ) has viciously debanked me and is now engaged in a libel campaign against me, all in retaliation for my viral social media posts complaining about JPM 's botched takeover of XX/XX/XXXX in XX/XX/. I have complained about JPM 's debanking in other complaints to the CFPB but the regulators took no action. 

Emboldened by having faced no consequences for their retaliatory de-banking, JPM is now aggressively destroying my reputation. They are reporting non-existent debt as delinquent to the consumer reporting agencies, which has destroyed my credit and increased the cost of borrowing when I can find credit. 

JPM is in direct and intentional violation of the Fair Credit Reporting Act as well as various state laws that protect consumers from abusive megabanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2025-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I made a return to a merchant, XXXX XXXX XXXX. They informed me they issued me a credit of {$250.00} on XX/XX/XXXX back to the original payment method which was a XXXX credit card. 
However, my XXXX card was converted to a XXXX credit card in XX/XX/XXXX by Wells Fargo. A new XXXX card and card number was issued to me with the understanding that the account remained unchanged. 

I called customer service for XXXX and asked what happened to my credit of {$250.00} from XXXX XXXX XXXX  that was issued on XX/XX/XXXX. 
The young man from Customer Service said the credit should have been transferred over to my XXXX account, but he had no record of it. 

Further, he said I would have to give him the exact date my original purchase was made before he could do any kind of search into the matter. I told him it could have been XXXX or XXXX of XXXX, but I did not have my original XXXX statements for the exact date. I told him XXXX XXXX XXXX offered to do a three way call with us to verify the credit given to me and to expedite the matter. He just talked over me to tell me that was not possible and that the only way he could look into the matter was to give him the original charge information. 
Since I do not have that information, I have no way to resolve this and receive my {$250.00} that XXXX Wells Fargo is withholding from me.

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 2025-02-05 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: NJ

Complaint narrative:
On XX/XX/XXXX, my account was closed by XXXX XXXX XXXX  with a balance of {$940.00}. On XX/XX/XXXX I was contacted by XXXX XXXX XXXX regarding this closed account. They contacted me to collect the debt. I do not recall having any agreement with this company, and i attempted to dispute this matter with Eperian in XXXX.

Company response to consumer: Closed with non-monetary relief