vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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: IL

Complaint narrative:
I filed a dispute on XXXXXXXX XXXX XXXX  due to inaccurate information being reported and not reporting the same information as XXXX and Equifax. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company experian. 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting house and car. XXXX violates my rights as a consumer, as well as federal laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I am resubmitting a formal complaint to USAA FEDERAL SAVINGS B regarding the inaccuracies in my credit file that are not verifiably compliant, valid, or fully documented. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXXXXXX XXXX XXXX, TX XXXX. My date of birth is XX/XX/scrub>XXXX  and the related FTC report number is XXXX. I have identified potential duplicative and questionable items on my credit record that have not been authorized by me. As a consumer, I have the right to request the immediate deletion of these entries, in accordance with my federal and state consumer rights. I am filing this consumer complaint to ensure that all items reported in my credit file comply with the Fair Credit Reporting Act ( FCRA ). This includes a demand for verification of the disputed data. 
If these inaccuracies are not corrected, I will refile my complaint to ensure adherence to FCRA guidelines, as outlined in Title 1, Section 151.

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 2025-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I have been receiving a minimum of 2 calls per day if not more. Each of my family members have also been receiving calls multiple times a day. I have emailed and mailed correspondence to XXXX XXXX XXXX, XXXX asking them to cease and desist. This debt is no longer valid as I went through a bankruptcy and they are now trying to collect it and should not. They are harrassing my family members and this needs to stop. They are threatening to sue and this debt is old debt that is no longer valid as it was charged off. 

I received this letter at the beginning of XXXX and emailed and sent letters via mail on XX/XX/year> and they have still continued calling every day since even though a cease and desist letter was emailed and mailed to them. They are still calling family members and have not stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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:
I am submitting this formal complaint regarding Transunion 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On [ XX/XX/XXXX ], I disputed several fraudulent accounts and provided Transunion with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, Transunion failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs 2012 bulletin underscores Transunion 's failure to uphold consumer protections under the FCRA. 
Complaint # 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 2025-01-22 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: NV

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding incorrect and inaccurate information on my credit report. Despite my numerous previous efforts to resolve this matter directly with the relevant entities, including reaching out on XX/XX/year>, no remedy has been provided to date. 
The following accounts listed on my credit report are inaccurate and in violation of federal laws : XXXX XXXX XXXX XXXX Charged Off Account XXXX XXXX XXXX  - XXXX XXXX Account XXXX. 
XXXX XXXXXXXX XXXX XXXXXXXX - Charged Off Account XXXX XXXX XXXX XXXX XXXX XXXX - Closed Account XXXX XXXXXXXX XXXX XXXX  - Collections Account XXXX. XXXX XXXX XXXX - Collections Account The accounts mentioned above violate the following laws : - 7 CFR 1782.3 _ 15 U.S.C. 1681b - 15 U.S.C. 1681c**_**15 U.S.C. 1692g 15 U.S.C. 1692d**-**15 U.S.C. S 1692i _ 15 U.S.C. 1692 I demand the immediate removal of these accounts from my credit report due to their incorrect and unlawful inclusion. I have enclosed documentation supporting my claim, including prior communications regarding this issue and references to the aforementioned violations. 

The continued presence of these accounts on my credit report is causing significant harm to my financial reputation and stability. I respectfully request the CFPB 's assistance in investigating this matter and ensuring the removal of these accounts from my credit report without further delay. 
Thank you for your attention to this urgent matter. I look forward to your prompt response and 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 non-monetary relief
Consumer complaint received 2025-01-22 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: NV

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding incorrect and inaccurate information on my credit report. Despite my numerous previous efforts to resolve this matter directly with the relevant entities, including reaching out on XX/XX/year>, no remedy has been provided to date. 
The following accounts listed on my credit report are inaccurate and in violation of federal laws : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX. XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX. 
XXXXXXXX XXXX XXXX XXXX  - Charged Off Account XXXX XXXX XXXX XXXX XXXX XXXX - Closed Account XXXXXXXX XXXX XXXX XXXX  - Collections Account XXXX. XXXX XXXX XXXX - Collections Account The accounts mentioned above violate the following laws : - 7 CFR 1782.3 _ 15 U.S.C. 1681b - 15 U.S.C. 1681c**_**15 U.S.C. 1692g 15 U.S.C. 1692d**-**15 U.S.C. S 1692i _ 15 U.S.C. 1692 I demand the immediate removal of these accounts from my credit report due to their incorrect and unlawful inclusion. I have enclosed documentation supporting my claim, including prior communications regarding this issue and references to the aforementioned violations. 

The continued presence of these accounts on my credit report is causing significant harm to my financial reputation and stability. I respectfully request the CFPB 's assistance in investigating this matter and ensuring the removal of these accounts from my credit report without further delay. 
Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-01-22 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: IL

Complaint narrative:
I am filing this complaint because Wells Fargo has reported inaccurate and inconsistent information to the credit bureaus regarding my mortgage account. 

Here 's what happened : Due to extensive flood damage to our home and FEMA declaring our county a flood zone, Wells Fargo 's Home Preservation Department approved three consecutive forbearance periods for our mortgage : XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX Despite these approved forbearances, Wells Fargo has incorrectly reported my account as past due since XX/XX/XXXX. This contradicts the terms of our forbearance agreements and violates the Fair Credit Reporting Act ( FCRA ). 

I sold the property at XXXX XXXX XXXX, XXXX XXXX, IL XXXX on XX/XX/XXXX, and the loan was paid off at that time. However, Wells Fargo has failed to update my credit report to reflect this payoff. The inaccurate reporting is inconsistent across all three major credit reporting agencies. 

As a result of this incorrect reporting, I have been denied refinancing for my current home and an application for a new mortgage, despite having an otherwise excellent credit history with no late or missed payments. 

I have requested that Wells Fargo : - Correct the inaccurate information on my credit reports to show my account was current during the forbearance periods. 
- Update my credit reports to reflect the loan payoff on XX/XX/XXXX. 
- Explain the inconsistent reporting across the three credit bureaus. 
- Confirm in writing that these corrections have been made. 

Despite my efforts to resolve this issue directly with Wells Fargo, the problem persists, causing significant financial harm. I am seeking assistance from the CFPB to ensure Wells Fargo complies with the FCRA and corrects these errors promptly.

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 2025-01-22 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: AR

Complaint narrative:
I just got a copy of my credit report and I saw this fraudulent account on my report and I need it delete ASAP because it is hurting my credit badly

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 2025-01-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Block, Inc.
State: NC

Complaint narrative:
I had started using cash app prepaid card as of XXXX of XXXX, in XXXX of XXXX I started getting ATM withdrawals that money was taking out of my account. No one had my card. I called cash app and they said it had to be me. I told them I didn't make any ATM purchases. Then the next day cash app closed my account saying due to suspicious activity. I called them back to see if I can get a replacement card they said no. That they will not send me one. So I had to switch my direct deposit to another bank. I also asked will I get my money, they said no.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: SC

Complaint narrative:
I have sent multiple complaints through CFPB and FTC but I don't see why these negative accounts, which I didn't authorize are still on my credit report when I have done my part. I've checked this and reached out to the creditors that I am not aware of and have no knowledge of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: FL

Complaint narrative:
I opened a complaint with the XXXX  back in XXXX after an unknown account was on my credit. XXXX companies never responded to the XXXX  and so I took it to the credit bureaus. I provided Experian proof the company never responded to the request since XX/XX/year> and I never received any documentation of proof from the debt. Experian received all my documents to remove the debt as the company has violated the credit reporting act by not sending anything to prove the debt. Experian received all my documentation and did nothing. I also asked them to remove inaccurate information that is not on my Government issued ID and they did nothing. I will upload all the documentation sent and received and nothing done

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 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This is on my credit report for {$530.00}. I am a victim of identity theft. I only saw this on my credit report. I have disputed this item.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: CA

Complaint narrative:
I have attempted to work with both this body as well as the reporting agencies and complained about their " processes and investigations ''. Since then, this body has filed a complaint against them in District Court. I do appreciate you shining a light on the issues with the agencies and exposing the power they have taken to violate consumers ' rights and the limited ability we have to address, trust, and protect ourselves against them. Investigations and properly responding in the timeframe set aside are continually violated but trusted that these investigations are completed or rubber stamped with the typical responses are fraudulent actions. There have also been so many breaches in consumer data from reporting agencies and places we trust to hold our data, of which I have been affected. Spam calls, texts, emails, and all communications are effectively a result of data being sold or a breach in company files. This does no good for us as consumers looking to improve in this era while on the other side, our data is more important and provide a valuable service to those looking to take advantage of us. It's unfair and I ask that you continue to protect us and hold these reporting agencies more accountable in the processing and holding of our data.

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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
Cash app I was a victim of fraud and provided proof both times it happen and the issue was not resolved. I was a victim on my old account that they shut down that was tied to my XXXX and on my new one which is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
MIDLAND CREDIT MANAGEMENT has knowingly and willingly committed fraud. This is a 3rd party debt collector and has been harassing me, and trying to collect an alleged debt from me. They are in Violation of the FDCPA, and It is my right to give notice and right this unjust enrichment, as this is the first step in due process of law. I was once an unsophisticated consumer and have allowed this third party debt collector named MIDLAND CREDIT MANAGEMENT To commit fraud and coerce me to make payments toward an alleged debt. MIDLAND CREDIT MANAGEMENT has no right, and does not have any contracts with me that will lawfully allow them to contact me, or allow them to collect any debt. This debt does not belong to me and has not been validated with sufficient documentation. Notice of liability, Request for debt validation, and last but not least a Notice of claim has now been sent. MIDLAND CREDIT MANAGEMENT has continued to violate my civil and constitutional rights, along with federal law. 
It is unlawful and a violation of not only the constitution, but also the Fair Debt Collection Practices act to collect on charged off accounts. MIDLAND is liable for damages

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my 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 non-monetary relief