vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 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 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 action 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 Equifax complies with federal las and provide consumers with the necessary proof of investigation. These are the accounts that I have marked to be inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: LA

Complaint narrative:
On XX/XX/XXXX I dispute inaccurate information on my credit report including XXXX XXXX, five different name spell wrong and inquiries that was done XX/XX/XXXX experian credit did not give me the information I ask for forward flow agreement

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 2025-01-26 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: IL

Complaint narrative:
I was a victim of the XXXX data breach, publicly acknowledged by XXXX in XX/XX/year>, which exposed the sensitive personal and financial information of millions of individuals, including mine.

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 2025-01-26 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: IL

Complaint narrative:
I was a victim of the XXXX data breach, publicly acknowledged by XXXX in XX/XX/year>, which exposed the sensitive personal and financial information of millions of individuals, including mine.

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 2025-01-26 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am filing this complaint due to XXXX 's, XXXX failure to accurately maintain and correct errors on my credit report. Despite my numerous attempts to address these issues directly with XXXX, they have failed to remove inaccurate negative items from my credit file. This negligence has caused significant harm to my financial well-being, including a lower credit score, denied credit opportunities, and financial stress.

Specifically, I have identified the following issues : Negative Items That Should Be Removed :

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 2025-01-26 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX I am filing this complaint due to XXXX 's, Equifax failure to accurately maintain and correct errors on my credit report. Despite my numerous attempts to address these issues directly with XXXX, they have failed to remove inaccurate negative items from my credit file. This negligence has caused significant harm to my financial well-being, including a lower credit score, denied credit opportunities, and financial stress. 

Specifically, I have identified the following issues : Negative Items That Should Be Removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-01-26 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: TX

Complaint narrative:
This account was charged off on the following date from the original lender XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding deletion of the following account XXXX XXXX XXXX account Acct # XXXX. In communication the agency agreed to not having the documents required in UCC Article 9. Notice of Sale nor assignment. Claiming a false balance. Form of notice and Failed to obtain the proper documentation during investigation. The company failure to reinvestigation and decides to ignore the evidence of violation UCC Article 9 gives me the ability to recover damages pursuant to under Section 1681n of the FCRA, I may pursue legal remedies, including seeking damages for any willful noncompliance with the statute.

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 2025-01-26 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:
Dear Experian, XXXX, XXXX I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and XXXX due to the abusive and unfair practices.

You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. 

The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. 

Best Regards, 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 2025-01-26 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: MS

Complaint narrative:
Subject : Formal Dispute of Negligence and Non-Compliance under 15 U.S.C. 1681o Transunion This letter serves as my formal dispute regarding your negligence and failure to comply with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically as outlined under 15 U.S.C. 1681o. Your actions or omissions have resulted in the following violations : Failure to Maintain Accurate Records : It is my position that you failed to exercise reasonable care in ensuring the accuracy of the information reported under my name and Social Security Number. This constitutes negligence as defined under the FCRA and has caused harm to my financial standing and personal reputation.

Failure to Conduct a Proper Investigation : Despite my prior notification to you regarding inaccuracies, you failed to perform a diligent investigation within the statutory timeframe. This failure undermines the protections afforded to consumers under the FCRA.

Negligence in Data Handling : Your lack of care in handling my personal data demonstrates non-compliance with your statutory obligations to safeguard consumer information against errors or misuse.

Demand for Immediate Action : Pursuant to the provisions of the FCRA : I demand an immediate and comprehensive investigation into the disputed information.

I require the correction or deletion of any inaccurate or unverifiable information from my credit file.

I request a full and detailed report of your investigation and the steps taken to resolve this matter.

This letter constitutes your final notice to resolve this matter amicably. Failure to comply with your statutory duties will result in my seeking all remedies available under the law.

Please respond in writing within [ specify reasonable timeframe, e.g., 30 days ] with evidence of the corrective actions taken.

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 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
Sent money to person through Zelle but it was the wrong person and couldnt get my money back Double charge me for a rent payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I had several Checking accounts for companies I owned. One day in secret wells fargo started charging accounts that had no maintenance fees. I had set the accounts up when wells fargo was XXXX. They for whatever reason decided they wanted to start charging the accounts a secret fee till there was no money left then closed the accounts without noticed or warning. No mail or correspondence sent. Please help me recover my business accounts with the money stolen. Names of companies XXXX XXXX. XXXX XXXX XXXX, And XXXX XXXX XXXX. Thanks

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 2025-01-26 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: OK

Complaint narrative:
Subject : Experians failure to investigate Disputes in violation of the FCRA Description of the issue : I am filing this complaint because Experian has repeatedly failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ) Specifically, they have violated : 15 USC 1681e ( b ) : Failure to maintain the accuracy of my credit report.

15 USC 1681s-2 : Negligence in ensuring the furnishers of information comply with their obligations.

15 USC 1681i ( 5 ) : Failure to properly reinvestigate disputes and remove inaccurate information.

15 USC 1681c ( c ) : Inclusion of obsolete information in my credit report.

I have sent multiple dispute letters to Experian. But they have either failed to conduct proper investigations or reinvestigations. Or outright ignored the evidence I provided.

To make matters worse, I have learned about the recent CFPB lawsuit against Experian ( CFPB Sues Experian For Sham Investigations of Credit Report Errors ), Which shows that Experian has a documented history of neglecting consumers right by failing to remove or properly investigate errors on credit reports. 

This issue has significantly impacted my ability to access credit, housing, and employment opportunities, causing me financial and emotional distress. 

Specific details : XXXX I sent a letter disputing information on me credit report demanding verifiable proof of the errors in my credit report Experian responded with these accounts were verified with no proof at all or how they verified the information.

I have sent 10+ letters to Experian and every time it is verified with NO proof at all or how these items were verified. One time I didnt even get a response from Experian. I will include one of the letters that I sent. I have more letters and responses from Experian if needed.

I am including a letter that was sent to Experian in the past these accounts are still on my credit report and were never investigated properly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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. No matter what I dispute, Equifax consistently responds within 24 hours, stating the account is accurate without providing evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ). 

I am requesting that the CFPB take action to ensure Equifax complies with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: LEXISNEXIS
State: AL

Complaint narrative:
I am writing to formally dispute inaccurate information contained in my LexisNexis consumer report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). Upon continuous reviews and continuous disputes of my report, I identified the following inaccuracies : My name ( my correct name is XXXX XXXX XXXX ) My birthdate is XX/XX/XXXX, My address ( XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX -My contact number ( XXXX. On my Reporting in my XXXX report, having an additional driver, that is XXXX and I am not married to. That is inaccurate- ( XXXX XXXX XXXX with XXXX XXXX. ( Listing a finance company that was not affiliated with my financing on the XXXX XXXX. ( XXXX XXXX ), that was not the name of the company that financed my vehicle. XX/XX/XXXX. Reference number ( XXXX ) XXXX XXXX XXXX Possible Lapse, is listed and inaccurate Never did or have allowed my insurance to Lapse with XXXX. 

These inaccuracies do not reflect accurate and verified information. I am ( AGAIN ) requesting that LexisNexis conduct a thorough reinvestigation and verify the information in compliance with XXXX XXXX guidelines and the FCRA. I request that LexisNexis conduct a thorough investigation of the disputed information 2. Delete the inaccurate entries that can not be verified. 3. Provide me with a written response confirming the results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
So many different Collection Agencies and Debt Collectors are calling too much for old debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: IN

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with non-monetary relief