vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello My name is XXXX XXXXXXXX  I pull my credit report and notice some things on my file that was incorrect like my address and also some accounts that I done asked all three credit bureaus to remove. Such as Experian TransUnion Equifax they have a XXXX XXXX  bill on here that I asked them to remove which has been paid off and also they are using information that by law they are not supposed bro be using like a XXXX  XXXX when they wasnt giving permission to use and also a student loan that was discharged and I asked them to remove and they are not doing right and keep wanting to leave this on me like its joke I dont appreciate this and have asked them serval time to remove it

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 2025-03-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Atlas Credit Company, Inc.
State: TX

Complaint narrative:
They are a predatory lender. If you get behind, they pressure you to renew your loan. They call you constantly several times every day. Even if you tell them you will pay on a certain date, they will call at lease 2 times per day to make sure you are going to pay that day. They have already called me or left messages over 30 time in seven days. You can't get any work done at your job for their constant calling. If you don't answer your phone, then they immediately start calling your contacts. They do this to embarrass you at work and to disturb you at work. There is no reason for all these calls. You have such a hard time getting away from them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: DE

Complaint narrative:
Explain in detail the source and process used to verify the validity of the following accounts listed on my credit report. The previous dispute came back as investigated, verified and updated. The process was not explained and the source was not given. By law, I am intitled to know the source that was used to verify information placed on my credit file. 

XXXX XXXX - 2 accounts XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 2 accounts XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: MD

Complaint narrative:
WFBNA Card. There is a new error with XXXX reporting of this tradeline. On myXXXX report, the tradeline reports the status of the account as Current account/was 30 days past due date. The account should just report as Current. Please remove the was 30 days past due date. Attached is myXXXX report, which shows this tradeline for both XXXX and XXXX XXXX. For my XXXX XXXX report, the pay status for the account is reporting as Paid or paying as agreed and includes no references to a delinquency. I checked my report on XXXX to check the Status and reports as Open. This is an inaccuracy for the Status field. Right above the Status field is a field to describe whether the account is Opened or Closed. The Status field should reflect whether the account is Current or past due. The CRRG states that the codes 11, 71, or 78 should be used for the Status field. Since XXXX did not provide me with the Status, I tried to access my credit file with XXXX from XXXX. But I was denied access to my file. 

XXXXXXXX XXXX XXXX XXXX XXXX. This account is also reporting as Current account/was 30 days past due date in report from myXXXX  And the account also reports as Open in the Status field on my report from XXXX. No other account in my report is reporting the account as just Open or Closed in the Status field. They all report as Open/Never late or Paid, Closed/Never late. I am attaching my XXXX report with this dispute letter. I am also attaching the myFICO report that shows how this account is reporting there.

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 2025-03-05 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: TX

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 2025-03-05 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RSI Enterprises, Inc.
State: AZ

Complaint narrative:
RSI Enterprises ACCT : XXXX AMOUNT : {$550.00} I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume they no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-05 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: TX

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-03-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: REGIONS FINANCIAL CORPORATION
State: WI

Complaint narrative:
In XX/XX/XXXX, I was approached by XXXX sales representative XXXX XXXX, who offered me a solar system that would eliminate my power bill, have a 25-year guarantee, and qualify for a tax credit. He arranged financing for {$68000.00} through Regions Bank, even though the actual system cost was approximately {$35000.00}. I signed contracts in XX/XX/XXXX, and the system was installed in XX/XX/XXXX. 

On XX/XX/XXXX, I reported issues with the installation, including holes in my roof. XXXX acknowledged the issue but took no action. On the same day, Regions Bank made a full payment to XXXX, even though the system was incomplete. From installation until XX/XX/XXXX, my system remained nonfunctional, and XXXX ignored my inquiries. I eventually worked with XXXX XXXX and got the system running on XX/XX/XXXX. 

The system was supposed to eliminate my power bill, but it has not met the expected performance. The loan amount was inflated from {$35000.00} to {$68000.00}, and Regions Bank disbursed payment before the system was operational. I had no direct communication with Regions Bank, as all financing was handled through XXXX. 

I am concerned about fraudulent lending practices, misrepresentation, and breach of contract. I believe the inflated loan amount and XXXX false advertising, including fake XXXX accreditation and misleading claims about system performance, are clear violations. I am requesting an investigation into these practices and a fair resolution, such as loan cancellation or financial compensation for the issues I have faced.

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 2025-03-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Since I am not aware of any similar inquiries, it appears that this one is unauthorized and fraudulent. Please take immediate action to resolve this issue.

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 2025-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Braviant Holdings, LLC
State: SC

Complaint narrative:
XXXX got stuff in collections that I dont know about

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: MO

Complaint narrative:
This letter serves as a formal dispute regarding multiple inaccuracies on my credit report. Despite my previous disputes, these errors remain unresolved, which is not only unacceptable but also a clear violation of the Fair Credit Reporting Act ( FCRA ). As you are well aware, Experian has been sued by the Consumer Financial Protection Bureau ( CFPB ) for failing to properly investigate consumer disputes. I expect full compliance with federal regulations in handling my dispute. 

Below are the accounts in question : XXXX XXXXXXXX XXXX  : Account No : XXXX A charge-off account with an active balance? This is a blatant reporting error. It is concerning that Experian continues to report inaccurate information on my credit file. I demand the immediate deletion of this account due to its inaccuracy. 
XXXX XXXX XXXX XXXX : Account No : XXXX This account is reported as a charge-off, yet a balance remains. This contradicts standard reporting guidelines and is a clear violation of the FCRA. Additionally, there is a past due balance reported on an already charged-off account, which is another reporting violation. I demand a full reinvestigation and the immediate removal of this inaccurate account from my credit report. 
Please be advised that I am keeping detailed records of all correspondence and actions taken regarding this matter. Should Experian fail to comply with its legal obligations under the FCRA and fail to correct these inaccuracies within the legally required timeframe, I will have no choice but to escalate this matter, including but not limited to filing a formal complaint with the CFPB and pursuing legal action. 
I trust that Experian will take this matter seriously and conduct a thorough and lawful reinvestigation of these disputes. I expect a prompt and satisfactory resolution.

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I hired ironclad law back in XXXX. Never returned my call after the initial phone call. never requested any paperwork for me to file the lawsuit. I made numerous calls to them to try to speak to a person. No one ever returned my phone call so I canceled the service and reported them to XXXX XXXX XXXX  and I started getting bills from XXXX XXXX I contacted a XXXX back in XXXX disputed the charges said this is not anything that I signed up for and they have just kept building me ever since.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: FL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: FL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-03-05 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: CA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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 explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Went in a Bank of America branch to cash a check as I have done for years. They refused to cash my check although I have been an account holder for years. I asked do they refuse ALL their customers the same service and they stated yes. I believe they have discriminated against me by refusing to cash my check.

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am disputing this ( Absolute Resolutions ) account on the basis of the following legal grounds : Failure to Validate Debt - Under 15 U.S.C. 1692g, the Fair Debt Collection Practices Act ( FDCPA ) requires that the debt collector provide proper validation of the debt upon request. This includes the original contract bearing my signature and a complete payment history.

Violation of 15 U.S.C. 1681e ( b ) - Credit reporting agencies must ensure " maximum possible accuracy. '' If the information is inaccurate or unverifiable, it must be removed.

Violation of 15 U.S.C. 1681s-2 ( b ) - The data furnisher has a duty to conduct a reasonable investigation upon dispute. If they can not provide original documentation proving the validity of the account, it must be deleted. 


Reporting of an Account in Violation of the Statute of Limitations- If the debt is beyond the statute of limitations for collection or litigation in South Carolina, it is no longer legally enforceable and must be removed from my report. 


I request the following actions : Conduct an investigation as required by the FCRA. 
Provide me with documentation verifying the accuracy of the account. 
If you can not verify the accuracy, remove this account immediately. 
Please be advised that failure to comply with federal laws may result in legal action being taken against your agency for damages as allowed under FCRA and FDCPA. I expect a response within 30 days as required by 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 explanation