vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 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:
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. 

There are inaccurate late payments being reported on my credit report that need to 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 non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Linebarger Goggan Blair & Sampson LLP
State: FL

Complaint narrative:
In rebuttal to the response letter I received from your company, under 27 CFR 72.11-meaning of terms : Commercial crimes- Any of the following types of crimes ( Federal or State ) : Offenses against the revenue laws ; burglary ; counterfeiting ; forgery ; kidnapping ; larceny ; robbery ; illegal sale or possession of deadly weapons ; prostitution ( including soliciting, procuring, pandering, white slaving, keeping house of ill fame, and like offenses ) ; extortion ; swindling and confidence games ; and attempting to commit, conspiring to commit, or compounding any of the foregoing crimes. Addiction to narcotic drugs and use of marihuana will be treated as if such were commercial crime. So as we can clearly see, OFFENSES AGAINST THE REVENUE LAWS ( court cost, fines, and fees ) fall under the definition of commercial crimes. Court cost, fines, and fees stem from nonconsensual revenue law offenses, which would also place them under the XXXX. XXXX XXXX XXXX is the body of universal rules that govern all commercial transactions. XXXX has the authority to regulate commerce per the united States XXXX, XXXX XXXX section XXXX. I, XXXX XXXX XXXX XXXX a XXXX XXXX bound by common law codified at [ Fl. XXXX. XXXX and XXXX ]. XXXX enacts LEGISLATIVE STATUTES, not common law. These legislative statutes are applicable to XXXX XXXX XXXX only. Natural man ( persons ) have inalienable rights protected by the Florida XXXX art XXXX section XXXX. I hereby reserve the right not to be held liable under any contract that I did not enter into knowingly, willingly, and intentionally. I also do not accept the compelled benefit of any hidden contract or agreement. I declare that I have NEVER, with knowledge of being bound under statutory rules [ laws ], accepted nor subjugated myself to any laws, rules, statutes, or regulations other than natural law. Thus, the XXXX is applicable in this instance and Must be construed in harmony with the common law, as court costs, fines, and fees are of a commercial nature under the jurisdiction of admiralty, aka civil law. Henceforth, under ( fla. stat. XXXX ( XXXX ) ( b ), I demand that you comply with this applicable section of the XXXX XXXX XXXX. You are hereby ordered to cease and desist all collection attempts until you comply with said aforementioned section of said XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The account they are reporting is included in a bankruptcy. However thaey keep telling me this information is verified. However, they are reporting it wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: TX

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-03-11 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: MO

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

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 2025-03-11 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
Subject : Dispute of Inaccurate Late Payments on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate late payment information on my credit report, as reported by [ XXXX ] . Upon reviewing my credit report, I noticed that the information regarding my FEB/DESTINY XXXX does not match across the three credit bureaus. Additionally, the late payments reported are incorrect and must be removed under the Fair Credit Reporting Act ( FCRA ).

According to the law, credit bureaus must report accurate information. Because these late payments are inaccurate and inconsistent across my reports, I am requesting immediate correction and removal. Enclosed are copies of my credit reports highlighting the discrepancies, as well as supporting documents to verify my claim.

Please investigate this matter and remove the inaccurate late payment records from my credit file. I request a written confirmation of this correction and an updated copy of my credit report once the changes have been made.

Thank you for your prompt attention to this matter. Please contact me at XXXX or XXXX if further information is needed. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/XXXX, I visited Huntingtons XXXX branch in XXXX Michigan to withdraw some money. The reason why I went inside of the branch is because I was not aware that my savings account was not linked to my debit card. Otherwise I would have completed this transaction at ATM machine. I went into the branch and ask for them to link my savings account to my debit card so that I can make withdrawals from the ATM as normal, but while I was there, I just I decided to go ahead and complete my withdrawal of {$400.00}.

The teller gave me two {$50.00} bills to {$100.00} bills and then one fake {$100.00} bill. She counted the money I saw her count the money it was definitely {$400.00} but I was not aware that one of those bills was a fake {$100.00} bill. The teller put the money in the envelope before I walked away and I took my money and left the branch. It wasnt until I tried to use the money to purchase something that I realize it was fake. I believe that the teller swapped a real hundred dollar bill and gave me a fake one or that the banks processes are not being adhered in fake money is being positive because theyre not following their own security protocols and I was given a fake bill if I have been caught with this fake money that would have been a disruption of my life Im a mother and a wife and trying to use a fake
money normally couldve ruined my entire life because someone defrauded me at a bank or the bank is not following their own security protocols. I just want my {$100.00} back and I also want a full investigation on the teller and the manager, and I want them fine to the full extent. When I became aware of what happened, I immediately went back to the branch, and the manager denied helping me, and she also claimed that I am trying to fraud the bank by committing a financial crime. She didnt offer to review any type of video footage with me nothing I had to call the police who also were unhelpful and uninformed on how to handle situations like this. Im the victim and I just want my home {$100.00} back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-11 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 2025-03-11 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: NJ

Complaint narrative:
I am writing to formally dispute the claim made against me under Article 1681-O of the Civil Code, which alleges civil liability based on negligence and non-compliance. Upon careful review of the facts surrounding this matter, I do not believe that the claim of negligence or non-compliance is substantiated, and I respectfully request that the issue be revisited. I maintain that I acted within the legal and professional obligations expected of me. have written request for to Experian and Equifax for reinvestigation of inaccuracy and negative items on report for XXXX XXXX XXXX XXXXXXXX and XXXX XXXX. Have submitted evidence of information involved in data breaches from XXXX.Therefore, the claim of negligence lacks the necessary foundation of evidence that would establish a breach of duty. In light of the above, I respectfully request that the claim be reviewed and dismissed, as I believe it is unfounded.

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 2025-03-11 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: FL

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 actions 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 law and provides consumers with the necessary proof of investigation. 

These are the accounts I marked as 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

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 2025-03-11 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: FL

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 actions 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 law and provides consumers with the necessary proof of investigation. 

These are the accounts I marked as 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

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 2025-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
My home mortgage was sold by XXXX XXXX  to PHH Mortgage. I received a letter in the mail dated XX/XX/year> telling me this. And that on XX/XX/year> my payments would start going to PHH, but any payment received at XXXX XXXX  before XX/XX/XXXX would be forwarded to PHH. I made a payment to XXXX XXXX  on XX/XX/year> electronically through my personal bank. I received a message from my personal Bank telling me the Payment was returned on XX/XX/year>. I attempted to look at my account online, and my account was no longer there. I then Called XXXX XXXX  to find out why. I was told, there was no problem, but to check that they actually send that payment to PHH. There was a 10 day blackout between XX/XX/year> and XX/XX/year> where I was not able to get information. On XX/XX/year>, I was able to actually contact PHH to see what what happening, I was 10 days past due on my on my mortgage. I then called PHH to find out what was happening, and was told I was 10 days past due. When I complained I was told they would " note it '' and I was to verify in 2 weeks. I asked if this would look bad on my credit, I was informed No. However, I decided not to take a chance, and since I have the funds available, just made a 2nd payment. I am still unsure if XXXX XXXX  will draw the original payment out of my account.

I also questioned whether my insurance information was at PHH. was told I had to personally contact my insurance company to to get that information changed. After arguing with the agent on the phone, he called my insurance company to get the information. I was then told, since my insurance renewal is XX/XX/year>, I was required to call back to request they actually pay my insurance out of my escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: BARCLAYS BANK DELAWARE
State: OK

Complaint narrative:
I have reported incorrect information sent by the credit bureau through my email and formally dispute an error on my credit card statement. Despite my request for further investigation, the company has disregarded the issue. I urge you to resolve this matter promptly and provide a confirmation receipt for my reference.

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 2025-03-11 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: MI

Complaint narrative:
I XXXX XXXX, am a victim of Identity theft, request removal and deletion of the listed fraudulent accounts on my credit report. 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 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 explanation
Consumer complaint received 2025-03-12 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 need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I noticed certain accounts marked late when they should not be. These accounts should not have any late payment remarks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief